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Movin’ On Up…

  Long-term care insurance (LTCI) premiums are changing. Care costs are changing, too. And, the direction is higher! We’re seeing premium increases to in-force policyholders and new applicants. Why? Here

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Life Is What Happens…

  Life is what happens while you are busy making other plans. So the oft-repeated phrase goes sung by John Lennon in his “Beautiful Boy” song. It was a typical

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LTCI 301…

This newsletter is the third in our series on long-term care insurance. LTCI 101 covered definitions. LTCI 201 reviewed optional riders. In this newsletter, LTC 301, we look at contract

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LTCI 201…

This newsletter is the second in our series on long-term care. If you missed LTC 101, you can access it here. In LTC 101 we defined long-term care, Medicare, Medicaid

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LTCI 101…

Planning for long-term care is about dealing with the reality of needing assistance as we age. We’ll be the first to acknowledge this is not a fun conversation. But ignoring

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Ignorance Is Bliss…

Burying your head in the sand? Psychologists say the “ostrich problem” — ignoring information that can help us — arises because of the need to avoid negative feelings. Despite evidence

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Long-Term Care Product Designs

Three long-term care insurance (LTCI) products provide options for those who want to safeguard income and assets from the risk of long-term care expense. Standalone pool-of-funds products are appropriate for

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Six facts you must know before buying long-term care insurance.

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