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What Will You Do with the Second Half of Life?

We’re living longer. And longevity comes with its own challenges. Opportunities, too. But as Lisa Gray writes in her article, “The Four Faces of Retirement,” retirement is different today, “… aging doesn’t mean “old.” “Senior” doesn’t mean decrepit and retirement doesn’t mean stagnation.” Research revisioning retirement conducted by AIG SunAmerica and the Dychtwald Group suggests

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Is Long-Term Care Insurance On Its Death Bed?

When I started my business in 2000, there were about 140 insurance companies marketing long-term care insurance products. Today, just a handful. About seven offering standalone products if you count the federal program for government employees. More if you include insurers offering hybrid designs that include a life insurance or annuity component. Collective premiums in

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The Wish Act – Appropriately Named

Another attempt at long-term care funding. The WISH Act: Well-Being Insurance for Seniors to be at Home. Do we need it? Sure. Only 10% of Americans aged 50 and older have long-term care insurance. Yet most of us will experience a long-term care event once we reach age 65 and beyond. Average long-term care expense

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