BrightHouse SmartCare If you're looking for a comprehensive long-term care insurance policy, look no further than Brighthouse SmartCare. This hybrid policy offers protection through two different means. At its core, Brighthouse SmartCare is an index universal life insurance policy with specific emphasis on the Long Term Care Insurance Rider and Extension of Benefits Rider. This unique combination provides a host of [...]

Is long-term care insurance worth it? Long-term care insurance is a type of insurance policy that can help cover the costs of long-term care services such as home health care, nursing home care, and assisted living. While it is true that long-term care insurance may not be necessary for everyone, it can be a valuable investment for those who want to [...]

Long-term care insurance is an important part of planning for your future, but many people are uncertain about the cost of coverage. Fortunately, a long-term care insurance calculator can help estimate the expenses associated with it. A long-term care insurance calculator is an online tool that helps you estimate the cost of long-term care insurance based on various factors. You can [...]

Long-term care insurance can be an essential investment for those who want to ensure they have access to quality care as they age. However, not everyone is eligible for long-term care insurance. There are certain factors that can disqualify someone from obtaining long-term care insurance coverage. In this blog post, we'll explore what disqualifies from long-term care insurance and how you [...]

Cliff Marshall Washington Long Term Care Trust Act The WA Care fund was previously known as the Washington Long-Term Care Trust Act. This is a new tax created as law that makes Washington the first state to create a publicly funded insurance program that will provide participants, working residents of Washington, an opportunity to vest into a basic [...]

Have you received another rate increase on your Genworth policy? It seems like I have been hearing the same thing recently, “is Genworth raising their rates again?” or “another rate increase by Genworth?” Yes, that is what is happening and for a lot of people it is a very painful increase. As always, Genworth is giving you the opportunity to [...]

Best Long Term Care Insurance Reviews By: Cliff Marshall, CLTC 2020 Policy Reviews and Ratings of Long Term Care Insurance Policies. Every day we have clients ask us which is the best long term care insurance policy on the market? The truth is, no one policy fits all. Every client's goals, financial situation, & health is different. It’s [...]

New Securian SecureCare Pricing Updates in Indiana, Hawaii and New Jersey  We received notice today that effective October 10, 2020 Securian is increasing their rates for new business only in Indiana, Hawaii and New Jersey. Premiums are expected to increase on average by 13.5% for single payment plans, 10.5% for 5 and 7 year payment plans and 7% for 10 [...]

One America Annuity Care Overview For Long Term Care Annuities we recommend Global Atlantic ForeCare. For Asset Based Long Term Care Policy's Securian SecureCare and Nationwide CareMatters II. By: Cliff Marshall One America Annuity Care is a single premium deferred fixed interest annuity that combines long-term asset growth and long-term care (LTC) benefits. You can use asset such [...]

By: Cliff Marshall Full Securian SecureCare Review Click Here Secure SecureCare Updates Sept 11 2020. Below is a note we received from Securian this morning. Effective September 16th 2020 they will now start accepting applications for individuals age 71 to 75 for the SecureCare Long Term Care Plan. Give us a call at 512-637-6353 or feel free to [...]

State Life Asset Care Joint Life Deep Dive By: Cliff Marshall State Lifes Asset Care, is a unique  asset based long term care policy which can cover two people under one single policy. For a quick overview, continue reading. For an In depth Review Click Here One America Asset Care. If you’re interested in an Individual Policy, we [...]

Protecting Your Family & Your Retirement From a Long Term Care Event 1/7 people in the United States are Caregivers to either they’re immediate family, friends, or relatives. About 10% of the population has Long Term Care Insurance Yet 70% of those over the age of 65 will need long term care at some point in the future. By: [...]

Lincoln MoneyGuard III Review If you're interested in an Hybrid Asset Based Long Term Care Policy, for 2023 we currently recommend NationWide CareMatters II or Securian SecureCare. Both are Cash Indemnity Plans, which pay you a monthly cash stipend that you can spend as you see fit. You can use this money on home healthcare, building a ramp into your [...]

If you're interested in an Hybrid Asset Based Long Term Care Policy, For Fall-Winter 2020 we currently recommend NationWide CareMatters II or Securian SecureCare. Both are Cash Indemnity Plans, which pay you a monthly cash stipend that you can spend as you see fit. You can use this money on Care, building a ramp into your home, paying a relative [...]

Mutual of Omaha Long Term Care Insurance If you're interested in an Hybrid Asset Based Long Term Care Policy, For Fall-Winter 2020 we currently recommend NationWide CareMatters II or Securian SecureCare. Both are Cash Indemnity Plans, which pay you a monthly cash stipend that you can spend as you see fit. You can use this money on Care, building a [...]

Long Term Care Annuity Long Term Care Annuities are at the forefront of the ever changing long term care field. As more and more people are planning their retirements. They are starting to see the missing leg in their Retirement Stool. Their guaranteed income is covered, their estate is as well, but what they are missing is the final leg. [...]