Will Your Health Hold You Back from Long Term Care Insurance?
Planning for our future health isn’t exactly exciting; few people want to think about themselves as old and frail, but it is the reality that we must face. The older we get, the greater the chances that we will need help with daily activities like dressing, eating, and bathing. The risk of frailty, illness, and disease all increase as we age and planning for the cost of these potential situations is a critical part of planning for retirement.
Health Qualification
Long Term Care Insurance can help you cover the cost of care and protect your assets from the bill. To improve your[…]
Upcoming Changes in the Long Term Care Insurance Market
Insurance is based on risk and risk is always changing, so it makes sense that insurance industries will undergo significant ebbs and flows over time. The Long Term Care Insurance market is no different and some notable changes are set to happen in the industry this summer.
I spoke with LTC Tree advisor and agent Rex Stephens recently about the changes that are coming up in the Long Term Care Insurance market and why they are happening. Rex explained the reasons behind the changes and filled me in on what to expect in the next few months. Watch the video discussion[…]
LTC Tree Agents Discuss Long Term Care Insurance Rate Increases
https://www.youtube.com/watch?v=z1kyo0CUcuw
If you’ve read anything about Long Term Care Insurance in the news, it’s almost a guarantee that you have read about the rate increases that have been happening over the past few years. Journalists and newspapers love to talk about the rate increases and how substantial they are, but they often leave out some of the more important points that could be of help to consumers.
LTC Tree agents held a video discussion recently to discuss the issue of Long Term Care Insurance rate increases, how they work, how policyholders are handling them, and how consumers thinking about buying a policy[…]
Prepare for the Unexpected in Retirement
When it comes to planning for retirement, there are all kinds of planners. There are those who have planned their retirement down to a t, there are those who haven’t planned anything, but keep reassuring themselves that it will get done this year, and there are those who have a pretty good general idea of how their retirement will go. In truth, though, there are certain things that are impossible to plan for no matter how meticulous you are, and a sudden health care emergency in retirement is one of them.
Finding Peace of Mind
Sudden health care in retirement is not[…]
Anti-Anxiety Medication Linked to Increased Risk of Death
A large-scale study has identified a connection between anti-anxiety medication, sleeping pills, and risk of premature mortality. Though scientists clarify the study proves correlation, not causation, the data results are still noteworthy for anyone already on or considering these drugs.
Possible Concerns
Prescriptions of anti-anxiety medication and sleeping pills have continued to increase over the years and have raised some concerns from various scientists. According to the study, more than 16 million prescriptions were written for these types of drugs in England general practice alone between 2011 and 2012.
The recent study cites evidence of adverse effects that were documented in other research[…]
Top Five Things to Look for in Your Binder
Sit down with a cup of coffee and learn.
At LTC Tree, one of our signature tools for learning about how Long Term Care Insurance policies work is the Green Binder we send you with customized quotes. While we try to make it easy, you may feel a bit overwhelmed with the wealth of information you now have in your fingertips. We know that many well intentioned clients end up putting LTC planning on the back burner because of the “weight” of the topic.[…]
Reviews of each company’s financial stability ratings, claims experience, and size.
A side-by-side comparison of each company’s policy features. We cover the similarities and the differences.
Price comparisons customized to suit your specific needs from top carriers such as Nationwide, Thrivent, New York Life, National Guardian Life, Mutual of Omaha, and more.