Seth is certainly the one who needs a long term care insurance.
A long term care insurance is a policy that covers the nursing bills for older citizens who are 65 years and above. It is an advance payment that covers about six or more years.
Such a policy is of more importance to Seth who has spent most of the money that he has made and keeps spending. He may not have enough money to cover his nursing bills in old age but Colin would depend on his long term savings.
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