Month: May 2026

Ideally, your clients will have their long-term care planning complete by age 65.  But, life happens, and sometimes clients either never get around to it, don’t understand how valuable it can be, or don’t qualify. For those in their 70s, there are still several options available to them, mainly utilizing non-qualified funds or inherited IRAs. …

For several years, we have used hybrid LTC to help clients find use of old life policies and reposition bank/CD funds to protect their assets from a prolonged chronic illness. With Lincoln’s MoneyGuard exit in NY, Nationwide remained as one of the only viable carriers for these opportunities. Unfortunately, that product, YourLife Carematters, had a…