The three questions we are asked most often is, how much does coverage cost, are there ways to save and what's the best age to start planning?

Costs vary significantly depending on your age and health when you apply and how much coverage you want. Costs also vary from one insurer to another - by as much as 80 percent per year.

Discounts can make your long-term insurance far more affordable than you think. For example, discounts are offered when two spouses apply. Some insurers will offer discounts to partners living together or a partial discount when only one person is covered. Discounts can vary from one insurer to another. There are ways singles or those living alone can also reduce the cost.

Each year our Association surveys insurers to determine ages for those purchasing coverage. For individuals purchasing coverage, some 3.5% did so between ages 35 and 44. Some 22.3% between ages 45 and 54. Some 54% between ages 55 and 64. The rest, 19.5% were age 65 or older. Costs increase based on your age. But the ability to health-qualify is what matters most.

Our agency does market and sell insurance. It always pays to speak with a professional because:

• Costs for long-term care insurance can vary among insurers,
• Discounts can vary from one insurer to another,
• Acceptable health conditions can vary,
• Covered care and policy benefits can vary.

Contact our agency or fill out the free quote request on this site. We'll contact you; provide advice on planning and costs for insurance protection-without any obligation. CALL 800-225-9564

Federal officials say only 18 cities and counties in Iowa have enrolled in the National Flood Insurance Program (NFIP) since the floods of 2008.

Some local officials say the requirement would amount to too much red tape or they don't want to force insurance costs of homeowners and businesses. Those that participate must agree to adopt and enforce flood plain management ordinances to reduce future flood damage.

Individuals and businesses can't buy federal flood insurance unless their communities participate in the program.

This year, 113 cities and counties in flood-hazard areas are not participating. In 2008, it was around 131.

To keep the NFIP going until Sept 30, 2010, Congress voted to reauthorize the National Flood Insurance Program last week, and President Barack Obama signed it on July 2.  Our agency is licensed in Illinois and Iowa, call us for more flood insurance information: 888-225-9564. www.DougMyrick.com