by Vincent P. Benitez, RHU, CLTC | Nov 6, 2015
November is Long-Term Care Insurance Awareness Month. This November, increase your awareness of the value of long-term care insurance to your practice. # 1 – Industry-wide improvements to product and premium Unaffordable premium and the potential for future rate...
by Vincent P. Benitez, RHU, CLTC | Nov 2, 2015
The threat of long-term care weighs heavily on the minds of many Boomers and their adult children. Boomers are often concerned about how long-term care expenses could drain their assets. Likewise, adult children worry about their parents’ ability to cover the expense...
by Vincent P. Benitez, RHU, CLTC | Aug 25, 2015
A recent article in the Wall Street Journal explored why people don’t buy long-term care insurance. Many readers commenting on the article planned to self-insure for long-term care expenses in part because of the uncertainty of future premiums and a misunderstanding...
by Vincent P. Benitez, RHU, CLTC | Jul 28, 2015
Let’s shift the long-term care insurance conversation. The question your clients should ask themselves is not “Will I need long-term care?” Instead, they should be asking, “Who will pay for the long-term care I need?” The problem is growing. Policy makers at state...
by Vincent P. Benitez, RHU, CLTC | Jul 6, 2015
Some advisors hesitate to present long-term care insurance to clients. This hesitation might stem from the belief that consumers are just not interested in long-term care insurance; inexperience with the product; or concerns about dealing with premium increases. Are...
