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: 1. A death...

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 traditional...

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

If you’re healthy enough to qualify for long-term care insurance, you’re better off buying a long-term care insurance policy rather than a hybrid for five reasons: More benefits for each dollar of premium Federally-mandated consumer protections Protection of assets...

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 different benefits:...

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 automatically enrolled...

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 your life’s...