问题如下：
Marion’s mother, Cornell, is in good health at age 76, and women in her family have generally lived to very old ages. Cornell has a pension but does not have much in assets. Therefore, Marion is concerned that potential need for home care might exceed Cornel’s pension during her final years. Which of following type of insurance is most likely to address Molly’s concern?
选项： disability insurance.
longevity insurance.
C.long-term care insurance.
解释：
C is correct.
考点：Health/Medical Insurance
解析： 长期护理保险为家庭护理、辅助生活设施和/或疗养院费用而设计的，比较适合Marion的母亲，尤其是因为她家里有长寿的基因而养老金有不足。虽然这个保险在Marion的母亲这个年龄会比较贵，但这将会缓解家庭护理的潜在需求，为了避免提供家庭护理的财务和心理压力，长期护理保险是最合适的保险选择。
为什么不是longevity risk?长寿保险，是不是只要活着就给钱。
