Fiduciary Blog

Should you purchase a traditional long-term care (LTC) policy or a hybrid long-term care policy?  This is a common question many ask when considering a long-term care insurance policy purchase.  Unfortunately, the answer is not so simple.  Each family has unique circumstances, and our recommendation will vary.   We always feel...

It's expensive...It's hard to get approved for coverage...It's possible I might never use it.  Right?  Right?  Well, maybe not... These are very typical comments about long-term care (LTC) insurance.  But let's look at each of these on a deeper level, and then finish up with a...

The long-term care insurance industry has had a rough go the past 10-15 years.  Stories of dramatic premium increases have shaped the perceptions of long-term care insurance, and forced many to hesitate or entirely bail out on obtaining the insurance...

The Genworth Cost of Care Survey has been a resource for long-term care planning since 2004. Knowing the costs of different types of care — whether the care is provided at home or in a facility — can help you plan for these expenses and build a plan for long-term care. The 2015 survey, covered 440 regions...

Genworth recently released the findings from their Beyond Dollars research project. The research focuses on the impact of long-term care: financial, logistical, emotional and health related. Lets take a look at some of the key findings:   The changing face of long-term care 62% of caregivers are between ages...

  For most people, innovation and insurance don’t go hand-in-hand - and for good reason. The insurance industry has historically been slow to innovate and adopt new technology. But in the words of the great Bob Dylan, “ The Times They Are a-Changin’ “.   An example of this innovation comes from John Hancock Life Insurance Company...