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Alternative Solutions for Long Term Care Planning. Newer posts →. Four Smart, Simple Ways to get Long Term Care Protection. March 23, 2013. Want to get Long Term Care protection but don’t want to buy a traditional, USE IT or LOSE IT type Long Term Care (LTC) health insurance plan? Cash Value Life Insurance:. CD’s/Money Market Funds:. Hope these ideas help you. Please feel free to contact me at 309-297-0297 or email me at mwcaslin@msn.com. Long Term Care Planning. Asset Based Long Term Care. March 9, 2013.