July 8, 2025

Earlier this year John Hancock released a new policy into the hybrid long term care arena with its new product offering, LifeCare, an indexed universal life insurance policy with long term care benefits. This is a welcome change for...

June 20, 2025

Well, it has been a long 6 years for Lincoln Financial. Once the king of the hybrid long term care arena, Lincoln has spent the last 6 years in brokerage purgatory as new long term care policies were introduced from the competition...

December 12, 2024

In 1996, the Health Insurance Portability and Accountability Act (HIPAA) outlined the requirements for tax-qualified long term care policies under Internal Revenue Code 7702B.

HIPAA also defined a hybrid life-long term care...

OneAmerica Financial has updated its popular market-leading Asset Care policy. The new Asset Care hybrid long term care policy is now available in 38 states.

Asset Care is a whole life policy that will allow you to access 100% of your life...

July 1, 2024. About 4 years ago New York Life revised Asset Flex, its version of a hybrid life and long term care insurance policy to look and feel exactly like Lincoln Moneyguard which for 2 decades has been the standard bearer in the hybrid...

May 17, 2024

Written by Jack Lenenberg

On the surface, you may believe that long term care insurance policies will operate in the exact same way when you reach the point in your life that you need to receive care.

As you may already be aware...

May 16, 2024

Written By Jack Lenenberg

As you are aging and with long term care costs escalating to over $100,000 annually, a common concern you may have today is "How am I going to pay for my future long term care costs?"

It might be natural...

What Is Long Term Care Insurance?

Long term care insurance policies will reimburse you for costs related to caregiving expenses when you are determined to be chronically ill. Your private health insurance and Medicare will not typically pay for...

June 19, 2023

The Nationwide CareMatters Together policy is finally here!  It feels like we have been awaiting the release of this new joint life cash indemnity LTC policy for an eternity. And at first glance, the benefits and the pricing of...

May 16, 2023.  I have been waiting a few months to blog extensively about the current pricing on the Securian SecureCare III policy.  It has been almost 4 months since Securian reduced its pricing by 25% on its SecureCare III cash...