Genworth Financial has released its 2014 Cost of Long Term Care Survey this month and the survey shows the cost of long term care facility services continues to rise at a rate higher than the inflation index creating significant financial planning...

A non-profit legal organization has filed suit alleging that the recently instituted practice of private insurance companies charging women higher rates for long term care insurance violates Section 1557 of the Affordable Care Act.

The National...

Hybrid LTC Life Insurance Link Benefits With Guarantees

"You got chocolate in my peanut butter!"

"You got peanut butter in my chocolate!"

And 45 years ago the first combination product was born.

Today, life and long term care insurance...

Long term care insurance underwriting is vastly different from life insurance underwriting or even health insurance underwriting.  We receive many calls from individuals with a prior history of a heart attack,...

The John Hancock Life Insurance Company announced it will be leaving the California Partnership for Long Term Care Program effective September 16, 2013. John Hancock long term care insurance policies in California will no longer provide asset...

Today, Mutual of Omaha is one of the top 5 long term care insurance providers.  

Mutual of Omaha offers 2 long term care insurance policies:

1. Secure Solution
2. Custom Solution

Purely from a policy design and benefit option viewpoint, the...

Does Mass Mutual offer the best long term care insurance policy?

*****UPDATE February 7, 2019.  This Mass Mutual Signature Care 500 LTC Policy has just been withdrawn in 39 states.  It is replaced by the Mass Mutual Signature Care 600...

I receive a lot of phone calls from consumers nationwide and a fairly common question many of my clients ask me is:

What is the best long term care insurance policy that you can buy?

It is a fair question.

And it is a question that has...

Can a stroke survivor qualify for long term care insurance?

While problematic, it is possible to obtain long term care insurance with stroke history.

A stroke is the second leading cause of long term care insurance claims...

Review of Pacific Life PremierCare Long Term Care Insurance

Below is my original 2013 review of the original Pacific Life PremierCare policy.  The arena has changed dramatically in the past 7 years.  For the current 2020 review of the...