1. Client of the Month March 2016

    A Hybrid 20-pay with guaranteed level premiums gives them meaningful coverage! A 64 & 57 year old couple had long-term care policies but after reviewing them. They realized the policies did not have the coverage they were looking for and were worried about future rate increases. By utilizing a Hybrid plan, we were able to get them guaranteed level payments and we structured the plan to be paid…Read More

  2. More Premium Stability for Traditional Plans

    From the very beginning, long-term care insurance carriers have struggled to find the balance between acceptable risk to take on and premiums to charge for their products. Today we have more information which to base future assumptions on as we have the ability to evaluate over 70 times the amount of data that we were able to in 2000. This means insurance companies have a better understanding on w…Read More

  3. Client of the Month January

    Female 62, State Partnership Program This client was worried about having to spend through her retirement savings should she end up in a long-term care situation. She was also greatly concerned about relying on Medicaid and wanted to remain in control of her care options as long as possible. We helped her select a traditional long-term care insurance plan with an initial monthly benefit of $5100.0…Read More