Almost 70 percent of people turning 65 will need long-term care, and Medicare will not cover most of it. Some life insurance can step in while you are still living. Part three of More Than a Death Benefit.
Some life insurance quietly builds a pool of money you can borrow against, tax-advantaged, for anything you want. Here is how cash value actually works, and the honest truth about whether it is worth it. Part two of More Than a Death Benefit.
The honest answer is: it depends on the job you need it to do, and for some people it is no. Here is how to tell which side you are on. The first in our series, More Than a Death Benefit.
The worst time to assemble a coordinated team is in the middle of a crisis. The best time is now, while everything is calm. The finale of Both Ends of the Table.
Once you have enough, the biggest threat to your money is no longer a bad return. It is the gaps between advisors who never talk to each other. Part three of Both Ends of the Table.
Long-term care insurance protects your savings and gives you choices about care. It's about options, dignity, and preparation for what lies ahead.