By Insure.com It’s a problem you don’t want to have: A relative dies and you have no idea which company holds his life insurance policy. Where do you begin? And if you can’t find the life insurance policy right away, can you still collect the death benefit in the future? It’s a problem you don’t want to have: A relative dies and you have no idea which company holds his... 

In all cases when you buy insurance if you can reduce the risk to the insurance company, you can save money. Here is a list of potential ways to save money on long term care health insurance: Find a group policy for long term care health insurance. Group coverage will always be less expensive. The risk for the long term care health insurance company is reduced because it is spread among the group....