1. Room For One In The Life Boat

    What happens if you are in a situation where you or your spouse or partner can’t qualify for long-term care insurance? Often time’s couples will step back from the process and not get any insurance which is a dangerous move. The approach that should be taken is to make sure the healthy spouse has a very meaningful plan offering more coverage for an extended amount of time.  Consider this.  I…Read More

  2. Client of the Month – August 2015

    Leveraging Qualified Funds into Long-Term Care Husband 65 and wife 64 had a traditional long-term care policy in place that would pay them $200 a day for a period of 3 years. Their company stopped selling long-term care insurance in 2014 and raised the annual premiums to $6700 on our clients. Our Concern: Clients are facing increasing premiums in the years ahead. Because their current company no l…Read More

  3. Myth: Long-Term Care Insurance rates will increase to the point where you can’t afford them in the future.

    You know the old saying, “If I had a dime for every time I’ve heard someone say that I’d be rich!” It seems like we hear this lot and the truth is, things have changed. There have been problems with rate increases for people with existing policies but most of those clients have plans with insurance companies who no longer accept new clients. This means the insurance company can only genera…Read More