Medicare For All — Isn’t

Medicare is one of the most popular programs the federal government has ever created. To capitalize on Medicare’s popularity, proponents of single-payer healthcare are calling their plans “Medicare For All”. The details of the “Medicare For All” plans,...

If you decide to buy a “hybrid” make sure it has these features

Excerpt from Scott’s newest book: “The Simple LTC Solution: How to Protect Your Life’s Savings with a Long-Term Care Partnership Program” Fully guaranteed benefits If you are considering buying a hybrid policy, you should only buy a hybrid policy that has:...

You May Not Want To Buy Long-Term Care Insurance From Your Investment Advisor

Investment advisors are licensed to sell securities as well as insurance products. However, investment advisors can only offer insurance products that are approved by the investment firm they work for. There are thirteen different companies that sell...

Five Reasons to Buy Long-Term Care Insurance Instead of a “Hybrid”

More benefits for each dollar of premium Federally-mandated consumer protections Protection of assets from Medicaid Tax-deductible premiums AND tax-free benefits Specially-trained insurance professionals Hybrids cost a lot more than long-term care...

Many “hybrids” have pitfalls that no one is talking about!

Excerpt from Scott’s newest book: “The Simple LTC Solution: How to Protect Your Life’s Savings with a Long-Term Care Partnership Program” Hybrids are “OR” “OR” “OR”, not “AND” “AND” “AND” Hybrid policies are sold as one policy that gives you three...

The State of Washington’s Long-Term Care Trust Act is “as good as it gets”

The State of Washington was recently considering legislation to help fund long-term care for some of the state’s residents. The program would be funded through a payroll tax of .49% on all wages. Every employee in the state of Washington will be...

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Scott and Carolyn supplied us with all of the information and answered all of our questions very professionally. There was no pressure during the process. Denis & Susan

Illinois

He didn’t try to sell me one policy or another but rather helped me explore several options that might be suited to me. And he answered a plethora of questions. Richard & Gloria

California

Although I am on the East coast and Scott is on the West coast my research led me to his company. He matched me with a policy perfectly suited for my needs. Sue

Virginia

Scott certainly knows his products. He gave me a less expensive policy with better coverage than what I had already committed to with another company. John & Becky

Virginia

Scott knows the business. He knew more about insurance plans and insurance plans in Indiana than an Indiana broker I was checking out. Ron & Frances

Indiana

Scott never applied high pressure salesmanship pushing a particular policy, but rather offered advice and solutions to help me make an informed decision. Dave

Washington

The most valuable thing about Scott is that he is an independent agent. He works for the client: for you and for me and not for the insurance company. Susan & Gene

Texas

We had numerous questions about different things as we read through the information and Scott always answered them thoroughly and to our understanding. Kathy & Ken

Florida

Medicare For All — Isn’t

Medicare is one of the most popular programs the federal government has ever created. To capitalize on Medicare’s popularity, proponents of single-payer healthcare are calling their plans “Medicare For All”. The details of the “Medicare For All” plans,...

The State of Washington’s Long-Term Care Trust Act is “as good as it gets”

The State of Washington was recently considering legislation to help fund long-term care for some of the state’s residents. The program would be funded through a payroll tax of .49% on all wages. Every employee in the state of Washington will be...

Simple LTC Solution

How to Protect Your Life’s Savings with a Long-Term Care Partnership Program The insurance industry does not want you to read this book. This book gives you knowledge from an insider. This knowledge will empower you to take simple steps that can protect...

Reader Beware: Chicago Tribune publishes “half-right” article on LTC insurance

Chicago Tribune writer knows just enough about LTC insurance to be dangerous. The Chicago Tribune recently published an article by Elliot Raphaelson. It’s entitled, Long-term care insurance: Buyer beware, which is why I’ve entitled this post, “Reader...

Why Are So Few Companies Selling Long Term Care Insurance?

In his article, "Should I Buy Long Term Care Insurance", Richard Eisenberg, Money Editor for PBS-owned NextAvenue.org wrote: “Insurance companies keep dropping out of this market….’a decade ago, there were more than one hundred insurance companies writing private...

Yugo Failed! Long Term Care Insurance Must Be Dead Now

Between 1985 and 1992, over 140,000 Yugos were imported into the United States. The Yugo rarely met emission standards, had an unreliable electrical system, and continually broke down. The joke went: “Why does the Yugo come with a rear defroster?.....” “so your hands...

New Long Term Care Insurance Companies Bring Number of Active Sellers to 13

With more long term care insurance companies coming into the market, there are now 13 different long term care insurance companies actively selling new policies in most states. National Guardian Life is the newest entrant to the long-term care insurance market....

The REAL Reason John Hancock is Discontinuing Sales of New Long Term Care Insurance Policies

John Hancock has sold over 1.2 million long-term care insurance policies.  Most of those policies were sold between 2002 and 2012. During that 10-year span John Hancock offered some of the best long-term care insurance policies on the market.  We have hundreds of...

Some attorneys understand long term care insurance, others don’t.

Most elder law attorneys understand long term care insurance and the advantages it gives their clients who are healthy and want to plan ahead.  One of the leading advocates for long term care insurance is a founding member of the National Academy of Elder Law...

Long Term Care Insurance Choices Expand for Consumers

Today marks the end of the 2016 open enrollment for the Affordable Care Act.  The number of insurance companies offering medical insurance has fallen. While choices for medical insurance are decreasing, long term care insurance choices have expanded for consumers....