Author Archives: Nicole Gurley

Thank You For Being A Friend…Want To Home Share?

Definition: An arrangement whereby several participants live together in one home. The participants share the costs. Are you single? No kids? No family nearby? Lonely? Retired or soon to be? Worried that you will be an elder orphan? A Golden Girl living arrangement may be to your liking. It was September of 1985 when the

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Do You Look To The Facts Or Lead With Emotion?

Hearts and minds. Facts and feelings. Ever taken the Myers-Briggs Type Indicator? Are you a thinking person or a feeling person according to the Myers-Briggs personality type model? The typical long-term care insurance (LTCI) buyer is female, age 55 to 64. She is married with adult kids, College educated and still working in a white-collar

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Caring for your family image

What Happens When Initial Rates Are Too Low

Long-term care insurance (LTCI) premiums are changing. Care costs are changing, too.  We’re seeing premium increases to in-force policyholders and new applicants. Why? Here are some of the factors behind these rate actions and how premiums can change. Insurance premiums will always cost less than the cost of care As insurance products go, LTCI is

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November Awareness Month

Make Room In Your Calendar, It’s November Awareness Month

It’s a month of awareness campaigns. Among them is National Peanut Butter Lovers Month and at least 45 others including National Alzheimer’s Disease Month, National Family Caregivers Month and National Long-Term Care Awareness Month. These all tie together for me. No not peanut butter even though it’s pretty sticky. Think about these facts, stats and

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If Not Now, When?

It’s October. Pumpkin contests. Halloween. Start of 4Q20. COVID-19. Masks. Social distancing. Impeachment. Acquittal. Recession. Elections. Protests. Riots. Supreme Court justice death and nominee. Debates. Sports sans fans. West Coast fires. All-time low interest rates. And the list goes on. The ultimate understatement To say 2020 has been challenging is the ultimate understatement. We all

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