u/BehrmanTheBeerman

I have a 40yo zero clearance wood burning fireplace. The seal on the damper has deteriorated and bugs keep getting in. I'm trying to figure out if I can replace the damper, the seal, or if there's something else I can do here.

Flue is round and about 7" - 7.5" in diameter. Damper opens and closes by simply turning a knob on the front. The specific manufacturer and model number are unknown as the original manufacturer tag has been removed and the association has no record of it.

I'm 40M, don't have life insurance aside from the one employees at my company are automatically enrolled in, no wife (yet), and don't intend to have children. I live in WA state, so I'm already forced into the WA Cares Fund for LTC, but I think it only pays up to $36,500 if ever needed.

A term (until age 100) life + LTC group plan is available through my employer this week from a company called The Standard. Approval is guaranteed with no heath questions. I can take the plan with me if I leave the company or the state. I heard it does not have inflation protection, but I don't know what that means.

I'm in over my head here and I have to decide by Friday. Any advice is appreciated. If you have specific questions about the plan, I'll do my best to find the answers. Thanks in advance!