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	<title>Tobe Gerard Insurance, LLC</title>
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		<title>Years Ago, I Was Declined for LTCI. Should I Re-Apply Now?</title>
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		<description><![CDATA[When asked the question: “I was declined for long term care insurance about 5 years ago.  Is it worth my while to try applying again?”  The answer is that it depends upon why you were declined.  Most long term care insurance specialists prequalify their prospective clients on the front end meaning that we don’t have [...]]]></description>
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