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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... read more

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

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Testimonials

Tobe Gerard is nothing short of a miracle worker. After months of struggling to rescue a long-term care application from one provider’s rejection pile, Tobe found me and my wife an alternative, high-quality provider with essentially the same policy and for a substantial discount. What’s more, she’s a super communicator who will walk you through the gobbledygook lingo of the insurance world.
Robert Brown and Delia CabeBelmont, MA