Prenuptial agreements are popular with brides of a certain age (boomers-plus), who often have accumulated assets, careers, and lifestyles they want to protect. Now there’s a new prenup wrinkle, a clause specifying that hubby-to-be get a long-term care insurance policy before walking down the aisle. The development is reported by LTC Financial Partners LLC (LTCFP), one of the nation’s most experienced long-term care insurance agencies.

According to the most current information available from the U.S. National Center for Health Statistics, there were 2.2 million marriages in 2007, and the expectation that the number would increase in subsequent years. “A prenup requiring long-term care insurance makes sense for any couple concerned about protecting their assets, careers, or ways of life,” says Denise Gott, Board Chairman of LTCFP. “The bride should be especially concerned, since women live longer than men and tend to inherit the care-giving chores.” These chores can be quite disruptive for career-minded women who may be forced to quit their jobs to tend the intended.

“I love the guy, but I’m not signing up to be his nurse or purse,” says Sarah, a 50-plus Pennsylvania resident, now engaged to a man her own age. So she’s insisting, prior to the wedding bells , that her intended cover himself with a policy the one she has, which will pay for nursing-home or in- home care should she become ill or incapacitated for an extended period.

Caring for an out-of-commission loved one can be a real drain on one’s time and money, without professional help to do the caring and insurance dollars to pay the bills. millions of other women over 40, Sarah knows first-hand what caring entails. And she’s not getting married to repeat the experience. She spent countless hours caring for her now-deceased stepmother and father, and for a friend who died of cancer, and now wants a life of her own.

Sarah wants her marriage to be mutually fulfilling, not a potential drain. With her husband-to-be covered by long-term care insurance, Sarah’s assets will be protected. Her time and lifestyle will also be protected. Also, she has children and grandchildren whose inheritance will be protected. Should the need for care materialize, she can spend quality time with her husband, letting others perform the nursing chores; and she can relax knowing that her own f...