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KIRKLAND, Wash., April 21, 2016 (SEND2PRESS NEWSWIRE) -- Rate increases by some long-term care insurance carriers should not scare people off, according to Denise Gott. 'Even if a particular policy's premium seems high,' she says, 'it may be a bargain compared to the alternative, family caregiving.' Gott is CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies.