The policy pays only after the death of both spouses, usually to the children, who can use the money to pay the tax bill.

But some policies pay the same for both forms of care.

They don't realize that each policy will only pay a share of benefits.

Some policies will only pay a maximum of £1,000 per item, which is not always enough, she said.

More expensive policies pay until the national social insurance program takes over as the primary income source.

A decade or so ago many policies paid only if a company declared bankruptcy.

Instead, policies now pay the insured amount - say $100,000 - plus up to 25 percent more.

These are matters that the foreign and security policy should pay very particular attention to.

If at some point he or she needed a nursing home, the policy would pay for bills up to $100,000.

Again, we'll have to see what my policy will pay, since the doctor accepts no insurance.