April 2023

Lincoln MoneyGuard III


Lincoln MoneyGuard III is a long-term care insurance policy that offers a range of benefits and features. As a replacement for Lincoln MoneyGuard II, which was discontinued in 2019, this policy has a higher cost than other plans currently available in the market. However, its unique features and benefits make it a popular choice among many customers. One of the benefits of Lincoln MoneyGuard III is its flexibility in terms of policy options. Customers can choose from a variety of policy examples, including a male age 60 with $4,500 a month long-term care benefit for six years with [...]

Lincoln MoneyGuard III2023-04-02T21:43:51+00:00

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

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. In this article, we will explore Securian SecureCare, an Asset-Based Long-Term Care Policy, in a way that's easy to understand. Securian Financial now offers one of the most competitive Hybrid Asset-Based Long-Term Care policies on the market. In this article, we will explore Securian SecureCare, an Asset-Based Long-Term Care Policy, in a way that's [...]

Securian SecureCare Policy Review2023-11-06T14:18:23+00:00
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