Why buy a Cadillac when you need only an economy vehicle? asks Nancy Skeans, an advisor for Schneider Downs Wealth Management Advisors in Pittsburgh, which has $950 million in assets under management.

The question seems direct enough, but Skeans is not talking about cars. Rather, she is referring to long-term-care insurance policies. Specifically, she thinks many of her married clients should consider spousal-sharing long-term-care riders, which allow a couple to buy a set number of years of coverage that can then be used by either spouse.

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