July 2021

Washington Long Term Care Trust Act

2021-07-18T19:50:44+00:00

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 plan of long-term care benefits. This program will be funded by Washington workers who will pay a tax through payroll deductions. You are allowed to “opt out” of the plan if you can attest to having long-term [...]

Washington Long Term Care Trust Act2021-07-18T19:50:44+00:00

April 2021

Have you received another rate increase on your Genworth policy?

2021-04-09T14:44:42+00:00

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 reduce the daily benefit amount, lower the benefit period and the option to reduce or remove the inflation protection.  Genworth has a lot going on internally, just this week they have announced that they have called off [...]

Have you received another rate increase on your Genworth policy?2021-04-09T14:44:42+00:00

October 2020

Best Long Term Care Insurance

2020-10-30T17:09:31+00:00

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 essential to have an experienced long term care advisor navigate the market for you. That is where we come in, because we are licensed with all the major carriers, we are able to look at every carrier [...]

Best Long Term Care Insurance2020-10-30T17:09:31+00:00

September 2020

Securian Update

2020-09-29T20:43:10+00:00

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 and 15 year payment plans. Any applications has to be received by Securian and in good order by 3:00pm central time to receive the old rates. Please feel free to reach out to us with any question [...]

Securian Update2020-09-29T20:43:10+00:00

One America Annuity Care

2020-09-15T19:29:03+00:00

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 as a CD or Cash to fund it, Or you can use qualified funds like a 401k/IRA Roll Over. How Does One America Annuity Care Work? Lets take a $100,000-60 Year Old Male- Single $100,000 IRA fund [...]

One America Annuity Care2020-09-15T19:29:03+00:00
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