LTC Insurance vs Life Insurance with LTC Rider

Ltc insurance is the traditional way of paying for long-term care. But due to the increase in premiums and fears that rates will continue to rise, the insurance industry came up with a new product that attempts to solve the issues of traditional ltc insurance, which is life insurance with ltc rider or hybrid insurance…. read more

Insurance policies are one of the most overlooked financial products today.   Why?   People don’t buy insurance because they think they wouldn’t need it, not now or not in the near future. But without coverage, you could be one accident, disease, house fire or car crash away from succumbing to debt.   You don’t… read more

Protecting assets from nursing home costs should be one of the pillars of retirement planning. Sad to say, many Americans have a blind spot for long term care costs. They underestimate the costs thinking that their savings will be enough to cover it.   Will it be enough?   Unfortunately, no.   Based on the… read more

A lot of us carefully plan for our retirement – invest in mutual funds, contribute to 401k and pay mortgages – but even the most well thought of plan can be threatened if it does not include preparations for long term care. Long term care involves a wide variety of services for people who need… read more