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Weathering Any Storm

“This article is an excellent treatise on how guaranty associations work to protect policyholders should a predicament surface that needs to be responded to.  While insurance company insolvencies are few and far between, consumers can turn to their state’s life and...

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Long Term Care Insurance News – March/April 2023

Long Term Care Insurance News – March/April 2023

Message from Tobe: What does it mean to be a burden? I just finished a Zoom call with prospective clients who I will call Sally and Joe. Sally and Joe had taken care of Sally’s mother who had Alzheimer’s. They cared for her in their home for 10 long years. They were...

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Long Term Care Insurance News – November/December 2022

Long Term Care Insurance News – November/December 2022

Message from Tobe: It’s the time of year when the IRS announces the new deductibility limits for LTCI.  Thank you to AALTCI for providing this information. All of the limits for 2023 have gone up in comparison to 2022. Knowing about the deductibility of LTCI is...

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Long Term Care Insurance News – September/October 2022

Long Term Care Insurance News – September/October 2022

Message from Tobe: There are many “dread” diseases, but the ones that I’d like to highlight for this newsletter are those that are “cognitive” in nature.  When we use the term “cognitive”, we are being inclusive and not just referring to Alzheimer’s, but rather to all...

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A Shopper’s Guide to Long Term Care Insurance 2019

We believe that the best all around consumer guide for LTCI that is not state specific is “A Shopper’s Guide to Long Term Care Insurance”.  Unfortunately it isn’t updated every year so we are extremely excited that it has just been updated for 2019 and is now...

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Long-Term Care Insurance Is Not Dead

Thank you to Kerry Peabody, CLU, CLTC, for his recent article “Long-Term Care Insurance Is Not Dead” that appeared in CLTC Digest, July-September 2019. While some statistics are showing that traditional LTCI represented only 20% of all sales in 2018, our book of...

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2019 Milliman Long Term Care Insurance Survey

For the 21st consecutive year, Milliman has released their annual review of stand-alone (aka “traditional”) long term care insurance that has been published in the July issue of Broker World. 11 carriers were involved at a significant level in providing a wide range...

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Testimonials

Tobe is my trustworthy “go to” person for long term care insurance. Ten years ago, when my spouse I considered buying Long Term Care insurance, she guided us with her extensive insurance product knowledge and demonstrated her commitment by finding the best insurance value for our needs. I highly recommend her.
Dennis StoneNorman, OK