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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 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 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 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.
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.
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.
BusinessWeek July 12, 2004 Howard Gleckman	Providing For Your Own Care Long-term care insurance is getting even more pricey, so shop carefully.
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.
Entrepreneur May 2005 Scott Bernard Nelson	Safety Net? Insurance companies are offering plans that move beyond traditional long-term care. But do they really protect the entrepreneur's assets?
Investment Advisor July 2010 Marlene Y. Satter	Insurance Update: A Wider Embrace of LTC Same-sex benefits are now offered to federal employees.
The Motley Fool October 30, 2006 Tim Beyers	Foolish Advice on Life Insurance Life insurance seems simple. And it should be. But more and more agents are selling complex, commission-boosting products that do little for consumers. Be cautious and buy only the minimum.
Investment Advisor September 2007 Marlene Y. Satter	In the Meantime Despite the recent bad press, you still have to recommend long-term care insurance to your clients. What do you do?
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. 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 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.
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.
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.
Managed Care October 2000	Employer-based coverage up in strong economy Health insurance premiums rose 8.3 percent over the past year for all types of coverage, according to an annual survey of employers...
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. 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.
Registered Rep. October 17, 2011 Alan Lavine	Tune Up: Sometimes It Makes Sense to Exchange a Client's Life Insurance Policy Today's life insurance policy may provide more benefits at a lower cost than coverage purchased more than a decade ago.
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.
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.
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.
Entrepreneur July 2007 Jacquelyn Lynn	Terror Target? Find out if you need coverage in case of a terrorist attack.
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?
Managed Care December 2001	Tie to Employers Stresses Fragility Of Health Coverage About two thirds of Americans receive health insurance through their employers or families, and many gain or lose coverage when they marry, divorce, or move to new jobs...
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.
Financial Planning November 1, 2011 Donald Jay Korn	Barely Covered When the going gets tough, the tough cut costs. Clients worried about their finances may think about dumping big expenses that may seem to be a luxury, such as disability insurance. In this case, they would likely be wrong.
Entrepreneur February 2004 Nichole L. Torres	Rest Insured? Insuring your company from the get-go may be expensive, but it's crucial to your survival.
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.
Investment Advisor October 2009 Marlene Y. Satter	The Multilife Market A new marketing emphasis these days in disability insurance is multilife sales.
Managed Care September 2000	Any way you cut it, employers appear to save if Medicare adopts drug benefit A new analysis suggests that a prescription drug benefit in Medicare would reduce employer expense for health coverage--which, in turn, could encourage more employers to offer some form of drug coverage and thus reverse this erosion...
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.
The Motley Fool April 26, 2007 Dan Caplinger	Don't Quit Your Health Insurance Quitting a job can elevate you to new heights in your career. To keep from paying the price, however, you need to make sure you bring your health insurance with you.
Entrepreneur September 2005 Jacquelyn Lynn	Thinking Ahead As Americans age, long-term care insurance may prove one of the most important insurance products on the market, and this coverage can offer advantages to both employers and employee
The Motley Fool January 22, 2007 Dan Caplinger	Understanding Medicare: Costs The deductibles and co-payments for Medicare Advantage Plans and prescription-drug plans can vary greatly between particular plans. A thorough examination of such plans is necessary for understanding the costs and to make a good decision about which plan to choose.
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.
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.
Managed Care October 2004	Medical, Prescription Drug Cost Rates to Drop in 2005 The 2005 Segal Health Plan Cost Trend Survey predicts that increases for prescription drug coverage will decelerate in 2005, but still remain significantly above general inflation and wage increases.
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.
The Motley Fool October 26, 2007 Buz Livingston	Buy Term, Young Man Don't fall for insurance hype. By taking up so much of a young family's budget, whole life doesn't give most families the balanced financial plan they need.
Financial Planning September 1, 2011 Joseph A. Tomlinson	Is Long-Term Care Insurance Worth It? It requires a big investment of time for advisors to learn enough about long-term-care insurance to be helpful to clients.
Entrepreneur July 2006 Chris Pentttila	Running for Cover Should you eliminate health coverage entirely or limit it to a few key employees?
Investment Advisor August 2009 Marlene Y. Satter	Side Effects Advisors might want to take a look at clients' term life insurance coverage.
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.
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 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.
Entrepreneur March 2010 Rosalind Resnick	Get the Most Out of Life Knowing what you're getting into with life insurance will prevent you from overpaying - and from being underinsured.
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?