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February 1, 2019

A well structured permanent life policy will give about a 3% to 4% return over time, and can even be better if you use it within the infinite banking philosophy.  

Many are projecting long term growth of domestic stocks at about 3%.  See the 2017 article in Forbes...

July 5, 2018

This is a question I'm asked a lot.  No one wants to get a quote until they know if Long Term Care insurance is expensive.  I always answer as honestly as possible.  Yes.  It is expensive, but, I quickly add, so is long term care.  In other words, the question is not w...

July 28, 2017

I hear this a lot from people who want to know about Long Term Care insurance.  “Why are you asking me so many questions?  Why are there so many choices?”  The answer is that there are a number of factors and because this is insurance, it is designed to cover risks tha...

May 26, 2017

Of course, the answer is disappointing.  The answer is that it depends.  What does it depend on?

There are a few variables that can greatly affect the cost of a Long Term Care insurance (LTCi) policy.  

1. Your age when buying the policy.  

One of the biggest factors...

May 12, 2017

Approaching Long Term Care insurance, or many insurance products, from a perspective of Return on Investment (ROI) is very difficult.  That being said, many reviewers of LTCi policies tend to approach Long Term Care insurance from that traditional financial analysis pe...

May 4, 2017

Sounds strange?  More than one policy?  You can barely afford one, right?  

The truth is that buying more than one policy can help you customize your Long Term Care solution. Let's say that you can't quite find the right policy.  You like the price of the trad...

April 23, 2017

"Lowest rates on Long Term Care insurance."  Have you seen that on agent and broker web sites?  The fact is that every agent offers the exact same rates from the same companies.  In other words, any agent selling you a Genworth policy has to offer you exactly the same...

April 20, 2017

One of the big questions around Long Term Care insurance is whether it is right for everyone?  You can do a lot of research.  Sites such as the American Association for Long Term Care Insurance have a ton of information about LTCi.  The question is whether is it right...

March 17, 2017

In a post from his blog, Dave Ramsey states, “Cash value life insurance is one of the worst financial products available.”  This is simply wrong.  It is wrong because Dave Ramsey either doesn’t understand what a good whole life insurance policy looks like or else he is...

March 16, 2017

Long Term Care is a tricky subject. I explain the various options available and compare them to traditional Long Term Care insurance (LTCi).

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Why is Long Term Care insurance so complicated?

July 28, 2017

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