Author Archives: Nicole Gurley

My Greatest Fear…

Friends and business colleagues know that my number one fear is dementia. It’s my sister’s, too. And, my brother’s, too. We’ve seen it first-hand. Our sweet mother needed prompting and then hands-on assistance for about 14 years. Dementia consumed every family conversation and gathering Mom died in 2012. We were concerned that dad might die

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The State Of Long-Term Care Insurance

Today, about 6% of the cost of long-term care is paid by private insurance. That’s because so few have planned for this expense. If you think about it, longevity is new to humankind. It’s really only two or three generations old. Longevity brings with it new requirements like retirement financial planning. And, long-term care expense

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Life Insurance Versus Long-Term Care Insurance

We often are asked what the difference is between life insurance and long-term care insurance (LTCI). One answer is it’s the difference between mortality (death) and morbidity (illness). But both insurance products are designed to protect income, assets and standard of living. Underwriting life and LTCI are both based on claims experience, life expectancy, health

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