January 2021

Nationwide CareMatters II 


Nationwide CareMatters II We have received notice that Nationwide is changing their pricing on their CareMatters II product effective January 11, 2021. In order to receive the current pricing all applications must be received in good order by January 10, 2021. They have indicated that this is directly tied to the historically low interest rates. We have seen this happen over the last year and it will probably continue to come up with the different carriers. Please feel free to reach out to us for quotes on this product and the others we represent. Thanks Cliff Marshall

Nationwide CareMatters II 2021-01-02T18:37:56+00:00

August 2020

Global Atlantic ForeCare


Global Atlantic ForeCare By: Cliff Marshall Global Atlantic ForeCare is a fixed annuity with Long Term Care Benefits. When planning for retirement we often worry about protecting our assets from market downturns, taxes, and inflation. On top of all this you also must consider the likelihood of a situation that will require the need for long term care of either you or your spouse. Statistics are now stating that over 70% of people age 65+ will need long term care in the future. It is crucial to find a solution to cover this risk. Without [...]

Global Atlantic ForeCare2020-09-09T19:20:42+00:00

July 2020

Brighthouse SmartCare


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 or friend to take care of you, or even save it for a later date. For a Joint (Spouse) Policy, One America Asset Care has a great product. Particularly if one person is in better health than [...]

Brighthouse SmartCare2020-11-06T13:05:54+00:00

June 2020



By: Cliff Marshall Annuities There are many different ways to think about retirement, and your dreams may not appear on anyone’s bucket list but your own. No matter how you envision retirement, having the freedom to live life your way will depend, at least in part, on having a secure source of reliable income. Annuities are one of the few sources of retirement income that can guarantee income for life. Fixed Annuities: These are fixed interest investments issued by insurance companies. They pay guaranteed rates of interest, typically higher than bank CDs, and you [...]


February 2020

Securian SecureCare Policy Review


Securian SecureCare Review   Minnosota Life Ratings: By: Cliff Marshall A+ (Superior)  A.M Best Aa3 (Excellent) Moody’s AA (Very Strong) Fitch Securian Financial  is now offering one of the most competitive Hybrid Asset Based Long Term Care policies on the market. Securian SecureCare is an Asset Based Long Term Care Policy, which will be discussed in depth throughout this post. Below we will give a quick example, followed by further in-depth analysis of the following five points. After that we will go into the technical, further examples of and finally an Asset Based Long Term [...]

Securian SecureCare Policy Review2020-09-10T12:49:58+00:00
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