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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 was a pleasure to work with right from the beginning. She quickly responded to our initial outreach by visiting us to understand our needs and to provide us with educational material so that we could begin the process of learning about long-term care insurance. She demonstrated boundless patience (!) and maintained her sense of humor with our endless myriad questions and concerns, always making time to talk until we felt we had come to the best decision. She was very accommodating and her willingness to chat by phone or via email as many times as we needed was above and beyond, often responding off-hours. Tobe was invested in making sure we were well informed and did her best to research any questions she could not answer right away. Tobe is a wonderful educator. Her clarity and thoroughness enables her to explain concepts in a very clear and concise manner; she made what could be a daunting menu of benefits and combinations easily discernible. She was honest and forthright when she felt we were going astray or looking at aspects of policies that may not be in our best interest. At the same time, she was always respectful of our particular concerns, needs, preferences and hesitations. Understanding the nuances of the products and benefits and helping us to foresee the future while making us comfortable with our decisions (so that we could finally make a decision!) is what we appreciated most. She shared her history with the long term care insurance industry in such a way that we felt comfortable navigating the news stories, others’ skepticism, and our own fears about making such a long term financial commitment. Ultimately, with Tobe’s professional and skilled guidance, we were able to confidently choose a policy that seems like the right fit for us.
Deborah Issokson and Liane BrombergHull, MA