Let’s stop with the LTC insurance bashing and focus on the families it has SAVED.
Tag: LTC insurance
Aug 27
Outside-of-the-Box Thinking About Long-Term Care Planning–One Size Does Not Fit All
As a shoe aficionado, I have observed that long-term care planning is quickly starting to resemble my closet of 100 pairs of shoes.
Sep 07
Federal LTC Insurance Program Rate Increase (updated)
The employee education program for the Federal government’s group long-term care insurance program in 2002 beat Donald Trump to The Apprentice.
Jul 26
How an Equity Index Annuity, aka Fixed Index Annuity, Can Help People Who Have Waited Too Late to Buy Long-Term Care Insurance
I found equity index annuities (fixed index annuities) because I was searching for a way to help people who are totally uninsurable for any kind of traditional or combo LTC product.
May 24
Welcome to New Subscribers and How to Evaluate a Rate Increase
Facing a rate increase on your long-term care insurance policy? Apply Phyllis Shelton’s formula to evaluate whether or not to accept it before making any decisions.
Mar 22
Forever and Ever Amen
My last article “Goodbye in Her (or His) Eyes” was a little hard to read as it discussed situations in which a healthy spouse doesn’t stick around when the other spouse needs long-term care…either by choice or by death. Just a few days after it was published, I heard from an agent who has been …
Apr 27
I Thought My Husband Would NEVER Use His LTC Insurance
There are no guarantees in life. I just heard from a grateful client who is so glad her husband bought LTC insurance.
Feb 11
An easier way to qualify for long-term care insurance
It’s imperative that we continue to look for alternate ways to manage the long-term care (LTC) risk, and that’s how I’ve been spending much of my time. For example, I’m looking at a number of annuities that provide long-term care benefits. Why annuities? Because underwriting for traditional LTC insurance has become rather challenging. For those …
Dec 10
The Dramatic Difference LTC Insurance Makes to the Caregiver
Mary and Valerie have a lot in common as they are both caregivers. Mary’s Aunt Julia has long-term care insurance, whereas Valerie’s mother does not. Does it make a difference? Have you considered long-term care insurance to protect your family from the impact on Valerie’s life?
Jul 15
Dave Ramsey helps so many people but he is way off on when to buy LTC coverage
If Dave could just grasp that telling people to wait until their 60s can not only price them out of the market, it can make them uninsurable so that no amount of money will buy it for them. Sadly, the 60 year olds who try and fail to get LTC insurance are very likely to lose the financial peace for which they turned to him to start with because long-term care is the most common reason people outlive their savings.
Now Available
The ABCs of Long Term Care Insurance
- PLUS -
Protecting Your Family
With Long-Term Care Insurance
- PLUS -
Protecting Your Family
With Long-Term Care Insurance
GET BOTH BOOKS for only $29.95!
Phyllis Recommends
