Many people assume that qualifying for long-term care insurance is difficult, stressful, or only possible for those in excellent health. Thankfully, that’s no longer true. A new generation of simplified-issue policies now makes it easier than ever for...

Consumers looking for long-term care insurance (LTCi) may ask about the differences between indemnity vs reimbursement plans. This is a valid question, as there are key factors making them separately unique. Deciding to purchase an indemnity or reimbursement plan...

Instead of using traditional long-term care insurance policies, a LTC hybrid policy offers more opportunities to those who have a bad health history – as many who do are more likely to be declined. There are other factors too, which we will review in this article....

Asking yourself if long-term care insurance is a scam isn’t a dumb question, as many people from all walks of life may suspect that. Over the decades, many important changes were made to protect the consumer against unfair insurer decisions or other potential issues...

True long-term care insurance isn’t typically sold by ‘financial advisors’ or insurance agents, as most of them sell life insurance. How can you know?

Traditional long-term care insurance is the oldest and most common form of long-term care insurance. Of the 7,111,139 long-term care policies in-force (as of December 2021), 6,311,826 are traditional long-term care insurance policies....

What are the different types of life insurance hybrids? There are hundreds of policies that include some kind of rider that can help pay for “long-term care” expenses. These might be great for life insurance purposes, but they may not be a good way to plan for...