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Financial Planning April 1, 2011 Ingrid Case	Crisis Brewing Many long-term care policy owners received uninsulated surprises recently -- substantial rate increases from carriers including MetLife, John Hancock and TransAmerica. What alternatives can planners suggest to clients?
Registered Rep. March 11, 2011 Mark Miller	Navigating the Long-Term Care Minefield Long-term care insurance is a tough market to navigate -- for clients and planners alike.
Financial Planning April 1, 2006 Ed McCarthy	Critical Coverage Even the best-tended assets are at risk when clients suffer from extended illness or injury. Here's how financial planners are protecting them.
Investment Advisor August 2009 Marlene Y. Satter	Side Effects Advisors might want to take a look at clients' term life insurance coverage.
Investment Advisor March 2006 Elizabeth Festa	Incentives for Long-Term Care New long-term care partnership programs, which are active in four states, now provide private LTC insurance with special access to Medicaid for those exhausting their insurance benefits.
Financial Advisor July 2008 Allen Hamm	A Better Option The long-term care insurance industry is up to a new trick: Marketing LTC insurance through groups.
Financial Advisor February 2004 Dorothy Hinchcliff	To Buy Or Not To Buy? That's still a big question for clients when it comes to long-term care insurance.
The Motley Fool December 8, 2010 Selena Maranjian	You May Really Need This Expensive Insurance Don't let the need for long-term care for yourself or a loved one derail your retirement.
Registered Rep. November 20, 2012 Alan Lavine	Lock into Long-Term Care with Hybrid Policies Combining life insurance and annuities with long-term care policies can protect against premium hikes or the risk of never making a claim. Here's how to make sure they are right for your clients.
Financial Advisor January 2011 Ben Mattlin	Long-Term Headache What the recent convulsions in the long-term care insurance business mean to you.
Investment Advisor March 2009 Marlene Y. Satter	What Lies Ahead: Up, Up, and Away Advisors need to consider a number of factors when focusing on long-term care insurance.
Investment Advisor September 2005 Melanie Waddell	The Care Calculation Sales are down and premiums are up for long-term care insurance, but the cost of long-term care continues its steep increase. Advisors need to learn more about this product and discuss it with clients.
Investment Advisor May 2010 Marlene Y. Satter	Easy Rider Redux Advisors might find a tough subject easier to broach with clients.
Financial Planning April 1, 2007 Marshall Eckblad	LTCI Gets a Second Wind Long-term care insurance is regaining credibility, thanks to financial planners.
Registered Rep. January 18, 2011 Alan Lavine	Insurers Raising Premiums, Changing Terms on Long-term Care Policies If you're selling long-term care insurance to clients, it's best to stay away from carriers with a history of raising premiums or discontinuing other types of insurance coverage.
Financial Planning September 1, 2008 Donald Jay Korn	Pleading Poverty Few things can play havoc with a thoughtful financial plan as surely as a long stay in a nursing home. Therefore, "Medicaid planning" has become a prime concern for many seniors and their younger relatives.
BusinessWeek May 2, 2005 Carol Marie Cropper	A Combo Policy For Long-Term Care Life insurance with an accelerated benefits rider can be used to cover the cost of nursing homes if the policyholder needs it for long term care.
Investment Advisor October 2009 Marlene Y. Satter	Insurance Update: Coverage Options Expand An effort to write new business makes it easier to buy disability insurance.
The Motley Fool November 15, 2005 David Braze	Should You Buy Long-Term Care Insurance? An insurance policy can help pay for senior care, but it may not be right for everyone.
Registered Rep. October 23, 2012 Mark Miller	Playing Health Insurance Roulette Most seniors will need long-term care at some point. Here's how to plan for that.
Financial Advisor January 2009 Allen Hamm	Read Carefully Big improvements have come to long-term care insurance, but financial advisors need to be aware that some policies still contain unacceptable restrictions for accessing benefits.
Financial Planning February 1, 2010 Donald Jay Korn	Combo Care After more than three years of waiting, new tax laws may increase the popularity of life insurance and annuities with long-term-care riders.
Investment Advisor September 2009 Marlene Y. Satter	Insurance Update: An Asset to Planning According to the American Association for Long-Term Care Insurance, asset-based LTC insurance is on the rise.
Investment Advisor May 2009 Lewis Schiff	The Affluentialist: Why The Affluent Need LTC Insurance The high cost of health care was the second chief concern of wealthy Americans in a recent Northern Trust survey.
Investment Advisor September 2010 Marlene Y. Satter	Insurance Update: Is It Really a CLASS Act? How the new government long-term care insurance program may affect your clients.
Investment Advisor June 2007 Marlene Y. Satter	Long-Term Damage? Are your financial advisory clients at risk from problems within the long-term care insurance industry?
The Motley Fool April 27, 2007 Buz Livingston	Hillary, Obama, and Long-Term Care Perhaps instead of grandstanding with the GAO, Senators Obama and Clinton would better serve the country if they urged federal guidelines for LTC policies.
Investment Advisor July 2007 Rosanne Grande	"A Piece of Paper or a Place to Live?" Here are some key issues that must be addressed before advising financial planning clients to purchase a long-term-care insurance policy.
The Motley Fool August 3, 2007 Dan Caplinger	When to Buy Long-Term Care Insurance Long-term care insurance pays out financial benefits to help you pay the expenses of nursing homes and home health care. Should you buy now, wait, or just skip the whole thing?
Investment Advisor October 2009 Marlene Y. Satter	The Multilife Market A new marketing emphasis these days in disability insurance is multilife sales.
Financial Advisor May 2007 Tracey Longo	Unfulfilled Promises? With LTC insurance sales down in 2006, here's what some financial planners are doing to pick up the pace.
Investment Advisor June 2009 Marlene Y. Satter	Saving Grace You made sure your clients had all the right protection; then insurance became a minefield. What now?
Financial Planning April 1, 2010 Stacy Schultz	Long-term care is taking off... REALLY? The Great Recession has brought much change-and given a hefty push-to the long-term-care industry. But these policies still have a long way to go before they are a staple in Americans' retirement portfolios.
Investment Advisor November 2007 Marlene Y. Satter	The Swinging Pendulum For a while, disability insurance was tough to get, but it's loosening up now. Here are some ways financial planners can help.
Investment Advisor March 2009 Marlene Y. Satter	Insurance Update: Around for the Long Term? Bad news is making headlines everywhere; long-term care insurance is no exception.
Registered Rep. April 13, 2012 Mark Miller	A Vexing Retirement Planning Problem? Predicting Health Care Costs What worries your clients most about their prospects for achieving a secure retirement? The cost of health care.
Investment Advisor December 2006 Marlene Y. Satter	Physician, Insure Thyself After a long dry spell, physicians and dentists are once again able to get disability insurance coverage that matters. Here is how financial advisors can help.
BusinessWeek February 21, 2005 Peter Coy	Scared To Death Of Life Insurance Choosing the amount of coverage is hard. The trick is to think like an economist.
Registered Rep. October 1, 2005 Janet Arrowood	The Advisor's Safety Net: LTC Insurance While boomer-aged clients are in the process of shifting from asset-accumulation to asset-withdrawal mode, advisors need to discuss long-term care insurance.
Financial Planning August 1, 2009 Mary Quist-Newins	Double Jeopardy One of the main decisions your client must make is whether to buy LTC insurance. Women are in double jeopardy here because they are often both caregivers and receivers. This double jeopardy presents significant financial dangers.
The Motley Fool February 1, 2005	Long-Term Care Insurance Tips If you're in the market for long-term care insurance, good for you! It's not something to ignore, and many of us would be smart to get it.
Registered Rep. March 1, 2006 Janet Arrowood	The Medicare and Medicaid Minefield As the population ages and life expectancy rises, so does the likelihood that more people will be needing long-term care and your financial advisory clients should know the hard facts about paying for it, because the costs can be staggering.
Investment Advisor August 2006 Marlene Y. Satter	Insurance Update: Insurance Multitasking Long-term care insurance is frequently a hard sell, until people are older and often ineligible for coverage. Planners thus may be interested in a multifaceted strategy that answers several needs at once.
Investment Advisor May 2010 Marlene Y. Satter	And Another Thing. . . Genworth Financial, in addition to launching Total Living Coverage Annuity, its hybrid annuity/LTC policy, has also brought out another annuity that acts more or less as a CD alternative.
Registered Rep. May 20, 2014 Alan Lavine	Should You Buy a Critical Care Rider? More than 10 insurers, including American General, Prudential and Nationwide Guardian, have added chronic illness riders to their life insurance policies, according to published reports.
Financial Planning December 1, 2009 Donald Jay Korn	Prudent Policy Agents should help their clients reevaluate their insurance policies at the end of every year.
Financial Planning November 1, 2008 Tom Riekse Jr.	Care for the Caregivers Caregivers -- a high percentage of whom are women -- begin thinking about the impact that health problems could have on their family. Financial planners should know how to address their concerns.
Investment Advisor July 2010 Marlene Y. Satter	Insurance Update: A Wider Embrace of LTC Same-sex benefits are now offered to federal employees.
Financial Planning September 1, 2006 Roy C. Goldberg	A New Take on Long-Term Care Advisors too often try to sell LTC insurance by scaring their clients to get their attention. Instead, we could better present the insurance as a risk management tool, a part of their overall financial plan to secure their retirement income and protect their estate planning distribution plans.
CFO May 1, 2007 Marie Leone	Long-term Thinking While sorting through LTC insurance options is not easy, the unpredictability of one's future needs makes this coverage worth investigating.