Making Sense of Long-Term Care Planning

Our culture is in a bit of a conundrum. With the population growing older, an increasing number of clients require long-term care or are tending the needs of aging family members. Meeting needs in a manner that is comfortable for...
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Hybrid Life Insurance Policies Increasingly Popular As Long-Term Care Funding Strategy

While traditional stand-alone long-term care insurance (LTC) products have seen a drop in popularity in the past several years as a result of companies leaving the marketplace and of spiraling policy premiums, life insurance-backed long-term care financing strategies have experienced...
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Why Retirees Have to Talk About Long-Term Care

We all avoid certain tasks in our lives, whether it’s something small like our gym schedule, or something bigger, like spring cleaning. But one thing that should never be avoided is making a long-term care plan. Many of us know...
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LTC 101: Traditional LTCi

Traditional long term care insurance (LTCi) is designed to help cover the expenses of long term care (LTC) services, many of which are not covered by health insurance, Medicare or Medicare Supplemental Insurance, and include personal and custodial care in...
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LTC 101: the Purpose of LTCi

The phrase ‘long term care’ (LTC) refers to the assistance that people with serious illness, injury or cognitive impairment require with activities of daily living. This skilled care is provided by nurses, therapists or other healthcare professionals. More...
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Send Us a Referral, We Take It From There

Need a product specialist? Too busy? Case too small or complicated? Your licensed InsureNOW Direct team is ready to make sales on your behalf for life, long term care, disability income insurance, and fixed annuity opportunities. More...
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Considering Long Term Care Coverage? Here’s a Reality Check

As more people are thinking about long-term care planning for their elder years, the industry is responding with ever more options. However, complete coverage may be out of reach for most people. Younger generations are taking notice, whether to encourage...
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Tis the Season…to Look

Here we are in the middle of another holiday season. Like most people, I enjoy spending the holidays in the company of family and friends, catching up on the year’s events and reliving old memories. As you speak with clients this...
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Separating Fact from Fiction When It Comes to Long Term Care Insurance

Few people are prepared to handle the financial burden of long-term health care. In fact, many people have a false sense of security when it comes to long-term care. Let’s separate fact from fiction. More...
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