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long term care

How to figure out what health coverage you need?

on Wed, 05/21/2014 - 10:25
I have been chatting with some prospects on their needs on health coverages lately and found that a lot of them actually have no clue what "health insurance" consist of.
In the insurance world, "health insurance" normally referred as "living benefits". That includes: health & dental coverage; critical illness coverage; long term care coverage & disability coverage.
Let's drill down what is what.
Health & dental coverage is what we usually need day in and day out: when we get sick, the doctor gives you a prescription, you go to the pharmacist, you have to pay for the medication;

Why you should NOT consider reverse mortgages

on Sun, 12/29/2013 - 12:18
Due to the shortfall of retirement needs, long term care needs and the sudden evaporated of retirees' retirement assets (which lots retirees switched to extreme conservative investment options after the 2008 market meltdown, gives them no chance to recoup their losses), I have heard more and more seniors are considering reverse mortgages.
Definition: also referred to as a Home Equity Conversion Loan, reverse mortgage is a financial instrument that allows seniors to access the equity in their home without income or credit qualifications.

Investment Executive interview on long term care insurance

on Wed, 11/20/2013 - 21:17

Please find attached interview with the Investment Executive, Nov 2013, on long term care insurance coverage and pricing


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