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... read more

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... read more

How to Curb the High Cost of Caregiving

How to Curb the High Cost of Caregiving Barron’s By: Reshma Kapadia March 17, 2018 Caregiving is often so easy at the start, you don’t even think of it as caregiving. It’s a few days off from work to accompany Dad for medical tests, or a couple of hundred... read more

The Long Term Care Insurance Dilemma

This Kiplinger’s article talks about what to do in lieu of the rate hikes that policyholders have been experiencing if they purchased their policies from about the mid 1970’s through about 2005.  The key takeaway is “Don’t drop your policy if you’re faced with an... read more

Considering Long Term Care Coverage? Here’s a Reality Check

As more people are thinking about long-term care planning for their elder years, the industry is responding with ever more options. However, complete coverage may be out of reach for most people. Younger generations are taking notice, whether to encourage their... read more

Why the WSJ is Wrong About Long Term Care Planning

Unlike the recent article in the WSJ, this Forbes article debunks a lot of misconceptions about LTCi and offers the product solid reviews for what it does do rather than what it doesn’t! Click here to read the full... read more

Have you worked with us?
Please send a testimonial.


Long term care insurance was the furthest thing from my mind before an estate planner recommended that my husband and I consider it in order to protect our assets if we ever needed long term care. I wasn’t keen on imagining myself in a situation that would require long term care, but just to cover all bases, we met with Tobe — and then put off thinking about it for another year. At that time, Tobe made me aware of changes in various company policies that impacted women and the type of coverage I might want. I decided to apply and she guided me through myriad questions in a clear, timely, and thorough way, never being directive about particular companies, always focused on listening to what was most important to me. The application process can be difficult at various points – it can seem as if your health is called into question as you make your way through endless checklists of symptoms – but Tobe kept it upbeat, gave good guidance, and actually made it pleasant. When the process was complete and I had my policy in hand, I was sorry we had to part ways. In short, Tobe is terrific and great to work with – I would highly recommend her to anyone purchasing a policy or even to someone simply wanting to explore why LTCI might be a good idea.
An anonymous but grateful clientNewton, MA.