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. More Than a Remodel Required

    Most seniors say they want to age in place, meaning spend their final years in their own home. Yet, many fail to realize this dream because they failed to properly plan for the additional financial demands of aging in their own home. Much of the focus for aging in place is centered around making modifications to your home. Wider doorways, grab handles, new flooring and even ramps to eliminate stai…Read More

  3. What If You’re Lucky?

    One of the most common questions our clients ask is “What happens to our premiums if we never need long-term care?” In the past this was an easy answer….they’re gone. With traditional long-term care insurance plans, you are simply paying non-refundable premiums to mitigate the financial consequences of a perceived risk. It’s just like auto insurance or homeowners insurance in the sense …Read More