LTC in the News
The word is spreading. Major news outlets are letting the American people know the importance of long-term care planning. Are you? Here are a few recent third-party articles.
What to Say Now About LTCI Rate Increases
Although the Society of Actuaries has weighed in on currently priced LTC policies and found there is a very low chance of future rate increases, it is good to err on the side of caution – as Margie Barrie does in this article – and inform your clients that they are likely to experience some pricing increases over the years. Read more
Planning Starts with Emotions, Then Moves to Financing
Financial planning historically has been based around the “logical” conversations — those dealing in accumulation, returns and the numbers. That advice model has helped millions of people secure their financial future. But today, one of the biggest risks, long-term care, to a retirement portfolio, requires an additional type of conversation — one that also appeals to emotions. Read more
Long-Term care: Early Planning Pays Off
It’s best to talk about long term care early — before the need for medical or personal care is imminent. Here’s help understanding, choosing and financing long term care.
Long-Term Care Marketing Resources
About Long-Term Care Insurance Premium Increases
When insurers set the premium prices for long-term care insurance policies, they make assumptions about what will happen over the time period between when people purchase and ultimately use their policies. These assumptions help ensure that the premiums collected over time will sufficiently cover expected claims. Generally, policyholders do not submit claims for decades after purchasing long-term care insurance, so these assumptions are made looking 30 or more years into the future. Read more
Impact of Alzheimer’s disease reaches beyond the elderly
Longevity is one of the biggest risk factors for Alzheimer’s disease. The expectation is that the prevalence of Alzheimer’s will escalate rapidly as baby boomers age into their 70s, 80s and 90s. Learn about the impact of Alzheimer’s Disease and understand the value of planning ahead with this infographic.
Latest posts by Highland Capital Brokerage (see all)
- Robert W. Finnegan, J.D., CLU®, Published in Trusts & Estates Magazine - April 18, 2018
- Keys to Dealing with Policy Loans - March 26, 2018
- March 2018 LTC Newsletter - March 22, 2018