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Low comfort level with LTC products makes advisers recoil, but some think that's a weak argument.
A new twist is coming to LTC insurance: gender-based pricing, and women can expect to pay 20% to 40% more for coverage than men, says Michael Kitces.
"Macroeconomic trends" led Hancock to ditch new policy sales, in the latest example of an LTC market beleaguered by negative consumer perception and low interest rates.
The firm is suspending sales in traditional life insurance and fixed annuity products in the first quarter of 2016.
Advisers should take these factors into account when incorporating long-term-care insurance into a client's financial plan.
Palisades Hudson Newsletter: http://palisadeshudson.com/sentinel/ Larry Elkin's Blog: http://palisadeshudson.com/current-commentary/
The cost of future long-term care for boomers could be more than three times what they're expecting, a consumer survey by Nationwide Financial found.
Your clients who are nearing retirement age might often wonder why they bother maintaining the life insurance policies they’ve funding for years. But under some recent state proposals, owning a life insurance policy can actually help clients in long-term care planning.