Minnesota, Washington and Oregon topped the ranking, which looked at 26 variables, including affordability and whether patients could get good paid care at home. Alabama and Kentucky came in last. Fred Froese/iStockphoto hide caption

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The first lesson of long-term care insurance: Shopping before health problems set in improves your chances of being accepted while tempering lifetime premium payments. iStockphoto.com hide caption

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Rates for female applicants could be up to 40 percent higher under Genworth Financial's new pricing policy. iStockphoto.com hide caption

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