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...

A Health Savings Account is one of the most flexible tools to help you address the increasing costs of health care.  HSA's offer you a tax deduction for your contributions.  Your HSA benefits grow tax-deferred and your distributions from...

Updated April 10, 2023.  Lincoln Moneyguard Fixed Advantage, the new hybrid long term care insurance policy underwritten by Lincoln Financial Group, is now released and has replaced Lincoln Moneyguard III .

***Read Our Current...

Ben Franklin once famously said "A penny saved is a penny earned."  But Ben can no longer give you wisdom today when it comes to the money you have saved.  To be sure, you need to have enough money to live on.  At the same time,...

August 29, 2019 Update: The old Asset Care pricing is certainly much better than the new Asset Care pricing.

The old OneAmerica Asset Care pricing is still available until September 20, 2019 for a limited period of time in the following...

Nationwide CareMatters II: Life Insurance With Cash Indemnity Long Term Care Benefits

*** Pricing below updated to reflect current May 19, 2022 pricing***

Finally.  Nationwide has finally updated its CareMatters cash indemnity long term care...

Mass Mutual has released its new Signature Care 600 long term care insurance policy in 39 states and I am disappointed to say the Mass Mutual LTC policy is no longer a viable consumer solution in the traditional long term care insurance...

OneAmerica announced an imminent important change effective January 1, 2019 for its joint life Asset Care hybrid long term care insurance policy.

What Is Changing

Beginning January 1, 2019 the option of joint life with enhanced LTC benefits of 4%...

Wow, how time flies.  For years, my readers have been asking me to update my Top 10 List of Best Long Term Care Insurance Policies originally published in 2013.  

We have seen a few changes in the long term care insurance...