He Paid for 23 Years His Premium Nearly Doubled

He did everything right—and it's costing him almost double. At 83, Joel Packer should be enjoying retirement. Instead, he's writing emails to his insurance company. Twenty-three years ago, he and his wife bought [long-term care insurance](https://www.liveinsurancenews.com/new-york-man-bought-long-term/8573348/) for one reason: to make sure the cost of care would never fall on their kids. It was responsible. It was loving. And now First Unum Life Insurance keeps raising the bill. In this video, we break down what's happening to [long-term care policyholders](https://www.liveinsurancenews.com/connecticut-long-term-care/8571947/)—and why it matters far beyond one man's story. ⏱️ WHAT YOU'LL LEARN Why Joel Packer is battling his insurer at 83 How "guaranteed renewable" policies still allow huge rate increases Why these hikes get officially approved by the state What happens to the thousands of seniors who simply can't keep up 💬 Have you or someone you love faced a long-term care insurance increase? Share your story in the comments below. 👍 If this opened your eyes, like the video and subscribe for more insurance news that actually affects your life. Are you ready for anything🤔 Download our FREE Family Emergency Organizer PDF and keep your loved ones safe and prepared when it matters most! 🧠👉Don't forget to connect with us across our various social media platforms: 😊Facebook: https://www.facebook.com/liveinsurancenews/