Health care costs are “front of mind” these days for clients planning for retirement or recently retired.  Americans are living longer and although longevity is a concern, it’s the cost of longevity that worries most clients – this should also include long-term care. 

Long-term care costs run the risk of putting a client’s retirement savings at risk unless they put a plan in place to help offset these expenses.  Starting the conversation with clients is about finding a strategy to fund and manage a long-term care event. 

Source: LIMRA, "Guaranteed Uncertainty," 2011.