LTC’s Future Lies in New Crop of Hybrid Products
New asset-based long-term care insurance products can allow your clients to obtain affordable coverage on an almost risk-free basis.
Single Women Shopping for LTC Insurance Better Start Now
This spring, insurers started introducing new policies that charge single women between 40% and 60% more than their male counterparts, says AALTCI.
Start LTC Planning Now, Save a Bundle Later: Genworth
Families could save almost $11,000 per year on out-of-pocket expenses for long-term care if they started planning a little earlier, a Genworth report found.
Attracting and Serving the HNW Client in Retirement
A top-advisor roundtable at Think Retirement Income conference talks education, managing expectations and "taking a horizontal approach."
Estimating Long-Term Care Costs in 2013 and Beyond
No matter when they plan to retire, Americans in their 60s, 50s and even 40s need to start planning and saving for LTC expenses.
4 Reasons Americans Skip LTC Insurance
SCAN Foundation, a think tank, looks more deeply at why Americans fail to plan for LTC.
How to Build Your Own Solution to Long-Term Care Insurance Scarcity
Hybrid annuity products that combine the estate and income planning features of an annuity with the protection of LTC insurance are becoming increasingly popular.
Milevsky Warns: Beware of Annuity Ignorance
Today’s sensationalized characterization of annuities as products of unremitting evil or of unsurpassed virtue completely misses some essential points of wisdom advisors need to know about properly using them, Moshe Milevsky says.
Annuity Puzzle Solved: Don’t Buy Them
Defying conventional wisdom, Kent Smetters of the Wharton School and Felix Reichling of the CBO say low demand for annuities is no mystery. If there is an annuity puzzle, it is why people don't short them.
Closing the Window on LTCI
The chat about long-term care insurance that many advisors have with their clients—and that many more avoid—has been growing more difficult as low interest rates and other market pressures take their toll on available coverage.