Long term care insurance underwriting is vastly different from life insurance underwriting or even health insurance underwriting.  We receive many calls from individuals with a prior history of a heart attack,...

The John Hancock Life Insurance Company announced it will be leaving the California Partnership for Long Term Care Program effective September 16, 2013. John Hancock long term care insurance policies in California will no longer provide asset...

Today, Mutual of Omaha is one of the top 5 long term care insurance providers.  

Mutual of Omaha offers 2 long term care insurance policies:

1. Secure Solution
2. Custom Solution

Purely from a policy design and benefit option viewpoint, the...

Does Mass Mutual offer the best long term care insurance policy?

*****UPDATE February 7, 2019.  This Mass Mutual Signature Care 500 LTC Policy has just been withdrawn in 39 states.  It is replaced by the Mass Mutual Signature Care 600...

I receive a lot of phone calls from consumers nationwide and a fairly common question many of my clients ask me is:

What is the best long term care insurance policy that you can buy?

It is a fair question.

And it is a question that has...

The Cost of Long Term Care in California

The cost of receiving long term care services in California is very expensive.  Whether you plan to pay for these costs out of your own retirement savings or whether you plan to buy long term care...

Can a stroke survivor qualify for long term care insurance?

While problematic, it is possible to obtain long term care insurance with stroke history.

A stroke is the second leading cause of long term care insurance claims...

Review of Pacific Life PremierCare Long Term Care Insurance

Below is my original 2013 review of the original Pacific Life PremierCare policy.  The arena has changed dramatically in the past 7 years.  For the current 2020 review of the...

Genworth Ceases AARP Long Term Care Insurance Plans

Sadly, a five year relationship will be coming to an end next month.

This week, Genworth Financial Inc. announced it will stop new sales of AARP-branded long-term care insurance...

Northwestern Mutual offers long term care insurance through its wholly owned subsidiary Northwestern Long Term Care Insurance Company. 

We receive a lot of inquiries about Northwestern LTC policies.  Let's take a look to see how...