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...

September 19, 2023

Written by Jack Lenenberg

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...

California has created a Long Term Care Insurance Task Force to explore how to fund a state-wide insurance program to help Californians address future long term care costs.

California is not the first state to consider legislative action for long...

June 19, 2023

Written by Jack Lenenberg

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...

May 16, 2023

Written by Jack Lenenberg

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...

Updated June 28, 2024

Lincoln Moneyguard is the original hybrid based long term care insurance policy, first introduced into the marketplace in 1987. Followed shortly thereafter in 1989 by the OneAmerica Asset Care policy, Lincoln Moneyguard has...

Welcome Back Securian!

Effective January 23, 2023 Securian will be reducing rates across the board by 25%! on its SecureCare III cash indemnity hybrid long term care policy.

This pricing decision by Securian will immediately make the SecureCare...

June 30, 2022. 
Written by Jack Lenenberg 

Many people assume the Lifetime Unlimited benefit period is no longer available with long term care insurance companies.  Possibly your insurance agent or your financial advisor has told...