While it is nice to imagine living independently for the rest of your life, chances are you will need long-term care at some point in your life.  The U.S. Department of health and Human Services reports that you have a 70% likelihood of...

New business application rates are increasing later this month once again with one of the leading underwriters due to the historically low interest rate environment.  OneAmerica will be changing the rates respectively on the very...

OneAmerica Asset Care has been the leading hybrid long term care insurance policy for over 30 years.  Remarkable. The longevity and the stability of the OneAmerica Asset Care policy is truly quite impressive, especially considering the...

Once again, we have a fire sale this year.

Effective January 11th, 2021 one of the very best long term care policies will be increasing its premiums by 8% -11% across the board for the most commonly designed plans.  Nationwide Financial has...

August 6, 2020

Written by Jack Lenenberg 

MassMutual introduced its CareChoice policy series to help you prepare for your future long term care needs.

The Mass Mutual CareChoice policy series offers two payment options:  CareChoice One...

August 21, 2020 UPDATE Arizona, Connecticut, Delaware and North Dakota have a September 5th Deadline to lock in the old rates.

The most exceptional single pay long term care insurance value in the marketplace is still available in 9 States:

...

Updated February 7, 2022

The Pacific Life PremierCare Choice Max policy is one of two hybrid long term care insurance policy offerings by Pacific Life in 2022, the other being the Pacific Life PremierCare Choice 100...

Written by Jack Lenenberg

Brighthouse Financial is a new company in the long term care insurance arena.  Heck, Brighthouse Financial is a new company in every arena.

Brighthouse is a 3 year old company.

In 2017 MetLife established Brighthouse...

The present low interest rate environment is resulting in long term care insurance companies to make the decisions to increase pricing and to reduce risk on current hybrid long term care insurance products.  

Over the past 12 months the...

Every day between now and 2030 approximately 10,000 baby boomers will turn 65 years old.  Discussing guaranteed solutions to pay for long term care is a conversation I have daily with clients throughout the United States.  Most Americans...