LTC

LTC Protection and Women

When you speak with your female clients, do you truly emphasize the importance of planning for future care?  Do you stress that, more often than not, the caregiving role is taken on by a woman, and that they will most likely live long enough to need care themselves? These truths make it extremely important that […]

Top 4 Things You Should Know About Health Care Costs In Retirement

Countless Americans are unaware that retirement and health care are linked. 1 in 3 Americans have $0 saved for retirement and many are falling short in estimating and preparing for out of pocket health-related expenses. Below are 4 things to keep in mind when preparing for health expenses in retirement: Retiring couples should set aside […]

This Is My Story: Tema Banner

A typical fourteen year old, I paid little attention to the lives of my parents. I was wrapped up in friendships with girls and budding desires for something more than friendship with boys. My attention barely reached the end of my own nose. An argument with my mother brought the reality of life into sparkling […]

5 Questions to Ask Yourself Before Becoming a Potential Caregiver

5 Questions to Ask Yourself Before Becoming a Potential Caregiver

I wasn’t prepared for the impact of my father’s cancer. The story of my father’s cancer is now our family story. Our story begins when my father was diagnosed with Stage IV base of the tongue cancer and continues even now that he is gone. It is a story I continue to tell, so that […]

The Emotional Response to Long-Term Care Planning

The Emotional Response to Long-Term Care Planning

Lincoln Financial Group recently conducted a Long-Term Care planning market survey report to assess the emotional response related to caregiving. Here’s a look at the survey team’s key findings: People want to help their family members in need of care, but also recognize the associated challenges and sacrifices. 44% said they would feel overwhelmed if […]

Solving Two Cornerstones of Retirement Planning

Solving Two Cornerstones of Retirement Planning

We’ve all heard that retirees are living longer. We’ve also heard that a retiree’s biggest fear is running out of money. Even if we weren’t living longer as a populace, the need for income in retirement would remain. To state the obvious, if you’re retired, no one is paying you anymore. Except maybe Uncle Sam […]

Humanizing The LTC Conversation

Humanizing The LTC Conversation

As I go through my inbox every day, I’m seeing a distinct increase in the number of emails talking about long-term care (LTC). Having written about the importance of LTC for a number of years now, I find it satisfying that LTC is starting to become more and more of a topic that the industry […]

Top 5 Essential Things Your Clients NEED To Know About LTC

Long-Term Care (LTC) insurance seems fairly straightforward at first glance, but many clients and producers alike may not understand how it really works, or how important LTC really is to a secure retirement. Read on for the Top 5 Essential Things Your Clients NEED To Know About LTC! 1.) A traditional LTC policy isn’t cheap… (but it’s worth […]

Mother’s Day 2015: Top 6 Things To Remember When It Comes To Your Female Clients

With Mother’s Day right around the corner, many of us find our thoughts turning towards the special women in our lives. But did you know that there are some unique things to take into account when it comes to planning for your female clients? When it comes to life insurance and retirement, studies have shown that […]

The True Cost of Alzheimer’s

Alzheimer’s. What comes to your mind when you hear that word? To a lucky few, it’s just a word. But to others, just the word alone is enough to stir up some deep emotions. Many of us can envision and even accept losing our health as we get older; that’s usually a fact of life. […]