The Advisor's View of Long-Term Care Planning

Why 3% compound inflation isn't ALWAYS the best choice for LTC Insurance

on Sep 24, 2019 4:33:36 PM By | Tom Riekse Jr | 1 Comment | Advice articles about planning Sales Tips Linked Benefits
When recommending LTC insurance for your clients, "default" benefits can often make the job of selecting plan options easier, but is that what is best for your client in every situation?  For...
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The ever-increasing tax deductibility of LTC Insurance

on Oct 30, 2017 8:05:00 AM By | Tom Riekse Jr | 7 Comments | Advice articles about planning Worksite Benefits New Product
Does your client own LTC Insurance or are they considering purchasing a plan?  Then they need to know about the important tax advantages of long-term care insurance.   A surprising number of...
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The worst case scenario - is lifetime LTC Insurance worth it?

on Oct 24, 2017 11:06:42 AM By | Tom Riekse Jr | 0 Comments | Advice articles about planning
  Luckily, you aren't going to need years and years of high cost long-term care. But what if you did? Like a reverse lottery, there are some people who do require long-term care that lasts a long,...
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Should you always recommend LTC Insurance with automatic inflation?

on Aug 29, 2017 12:25:50 PM By | Tom Riekse Jr | 0 Comments | For financial professionals Advice articles about planning
For many years, the question of whether to add automatic inflation coverage to LTC Insurance was a no-brainer. Traditional LTC policies were less expensive back then, and adding 5% compound inflation...
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5 Reasons not to HATE Traditional LTC Insurance

Recently I had the privilege of attending an annual meeting of a large financial services firm (independent broker-dealer) and speaking on an insurance panel. The panel included financial advisors...
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