I'm asking the Den because of my ignorance with local insurance issues. I have plenty of insurance as I'm covered 100% through the VA and I'm also covered by Tri-Care for Life, and Medicare Parts A&B. My question is about Long Term Health Care. I need to talk to a broker about LTHC and not just some broker who works for a particular set of companies, but someone who is actually an independent insurance broker who I can deal with one-on-one.

Do any of you have any information that might benefit me? I guess it's time to start thinking about all this.

I you just want to compare rates, check out this site;
LTC quotes

I recently changed life insurance and got the pricing info from lifequotes.com. I didn't buy through lifequotes, but it does give you a pretty good idea of the rates and the broker I went with used many of the same companies anyway.