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February 27, 2017

No one needs a long term care policy, but everyone needs to know their options for long term care.  I've adopted this view and so far in all my discussions with clients and prospective clients, I have not seen a reason to think differently. 

The reason no one needs...

February 25, 2017

Economist James Brown recently wrote, "A rational retiree should buy a life annuity and an insurance policy that pools the risk of unanticipated health expenses. Retirees aren't buying enough annuities, and they’re also not buying as many long-term care policies as the...

February 21, 2017

As an insurance sales person, I'm often asked, "Isn't Infinite Banking just a sales pitch for you to make lots of money?"

After a moment of silence, I begin to explain why it's not and the fact that in selling insurance through the Infinite Banking (or Bank on Yourself,...

February 21, 2017

Long Term Care insurance is one of the products I'm asked the most about these days.  It's probably because of my age and those that I associate with getting to the point where they are caring for elderly parents.  There are several reasons to seriously consider a Long...

February 20, 2017

“If you fail to plan, you plan to fail” is a common quote that’s been around as long as I can remember.  How many times do I meet someone who is over forty and still has no plan for their long-term care.

I understand it.  Even If you’ve been through a difficult time wit...

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Why is Long Term Care insurance so complicated?

July 28, 2017

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