We’re often asked what long-term care insurance product we like the best or recommend. Our response is always, “It depends.” We’re not trying to be evasive. It just depends on each client’s health, wealth and financial goals. Currently, there are three long-term care insurance (LTCI) products in the market: standalone or traditional, life insurance based
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I just hate these phone calls. They’re heartbreaking. The event has happened. It’s one thing when it’s a client who has long-term care insurance and the plan is in place to fund quality care. That’s bad enough. It’s worse when the call is from someone who has been referred to me and has no insurance
In my work with couples it’s quite common for one spouse/partner to want long-term care insurance and the other to be disinterested. Wanna guess which is which? It’s usually the older, six-foot plus, 300-pound plus guy that is disinterested and the five-foot, 100-pound spouse that is keenly interested. Big guy vows he will never need
Have you ever thought much about your morning routine? Probably not. Most of us are on automatic pilot at wakening. Some mornings my little seven-pound Shih Tzu wakes me with a toy in her mouth ready for playtime. But most mornings I get out of bed and walk to the bathroom to empty my bladder.
Years ago, I managed the regional multi-state Medicare business for a large, well known insurer. Frequently, I would hear stories about a person aging into Medicare who had talked to a friend who worked with a guy that knew an expert who told them that Medicare paid for long-term care (LTC). Still today it’s not