For years I’ve been asked if a person’s family history has any effect on their being able to obtain Long Term Care insurance.  Up until now my answer was “not yet”!

However, the answer is changing to yes.  One insurer has asked about family history but it was not a deciding factor. … Read more...

I met a couple this weekend at a farmer’s market who purchased LTCi from me years ago.  They thanked me and hoped they never have to use it.  They also told me of a friend who is now in a nursing home and I explained that I can often still protect some of their money once they are already in a care setting and spending down to Medicaid.
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