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Registered Rep. January 18, 2011 Alan Lavine	Insurers Raising Premiums, Changing Terms on Long-term Care Policies If you're selling long-term care insurance to clients, it's best to stay away from carriers with a history of raising premiums or discontinuing other types of insurance coverage.
Financial Planning April 1, 2011 Ingrid Case	Crisis Brewing Many long-term care policy owners received uninsulated surprises recently -- substantial rate increases from carriers including MetLife, John Hancock and TransAmerica. What alternatives can planners suggest to clients?
Investment Advisor September 2005 Melanie Waddell	The Care Calculation Sales are down and premiums are up for long-term care insurance, but the cost of long-term care continues its steep increase. Advisors need to learn more about this product and discuss it with clients.
Financial Advisor July 2008 Allen Hamm	A Better Option The long-term care insurance industry is up to a new trick: Marketing LTC insurance through groups.
Entrepreneur May 2005 Scott Bernard Nelson	Safety Net? Insurance companies are offering plans that move beyond traditional long-term care. But do they really protect the entrepreneur's assets?
The Motley Fool January 25, 2011 Dan Caplinger	You'll Pay More for This Must-Have Protection Long-term care insurance is becoming harder to afford.
The Motley Fool December 5, 2008 Dan Caplinger	Can You Afford This Bailout? Companies including MetLife, Manulife Financial's John Hancock division, and Genworth Financial have increased long-term care premiums -- increases that many policyholders never expected to see.
Registered Rep. March 11, 2011 Mark Miller	Navigating the Long-Term Care Minefield Long-term care insurance is a tough market to navigate -- for clients and planners alike.
The Motley Fool August 3, 2007 Dan Caplinger	When to Buy Long-Term Care Insurance Long-term care insurance pays out financial benefits to help you pay the expenses of nursing homes and home health care. Should you buy now, wait, or just skip the whole thing?
The Motley Fool February 4, 2011 Selena Maranjian	Grab a Piece of This $11 Million Despite its industry's current turbulence, there's a good chance you'll need long-term care insurance.
Registered Rep. November 20, 2012 Alan Lavine	Lock into Long-Term Care with Hybrid Policies Combining life insurance and annuities with long-term care policies can protect against premium hikes or the risk of never making a claim. Here's how to make sure they are right for your clients.
BusinessWeek July 30, 2007 Matthew Goldstein	Even The Insurers Have Hopped On Board Most insurers also realize life settlements aren't going away -- and so they're getting into the game. By sinking money into the sector, insurers can get back at least some of the money they now have to pay out in death benefits.
Investment Advisor September 2010 Marlene Y. Satter	Insurance Update: Is It Really a CLASS Act? How the new government long-term care insurance program may affect your clients.
Registered Rep. October 23, 2012 Mark Miller	Playing Health Insurance Roulette Most seniors will need long-term care at some point. Here's how to plan for that.
Reason March 2009 Ronald Bailey	Pay Up A new study, by economists at Brigham Young University, the Brookings Institution, and the National Bureau of Economic Research, found that community rating raises premiums by 10 percent to 17 percent for individual policies and by 21 percent to 33 percent for family policies.
The Motley Fool December 8, 2010 Selena Maranjian	You May Really Need This Expensive Insurance Don't let the need for long-term care for yourself or a loved one derail your retirement.
Financial Advisor February 2004 Dorothy Hinchcliff	To Buy Or Not To Buy? That's still a big question for clients when it comes to long-term care insurance.
Managed Care October 2000	Employer-based coverage up in strong economy Health insurance premiums rose 8.3 percent over the past year for all types of coverage, according to an annual survey of employers...
Financial Planning April 1, 2007 Marshall Eckblad	LTCI Gets a Second Wind Long-term care insurance is regaining credibility, thanks to financial planners.
U.S. Banker March 2009 Glen Fest	D&O Sticker Shock As the credit crisis worsened last year and more and more financial institutions became targets of shareholder lawsuits, many banks were hit with up to 85% increases in their premiums for director and officer insurance.
Investment Advisor May 2009 Lewis Schiff	The Affluentialist: Why The Affluent Need LTC Insurance The high cost of health care was the second chief concern of wealthy Americans in a recent Northern Trust survey.
The Motley Fool January 26, 2007 Dan Caplinger	Fall Into the Medigap: Part 3 Medicare supplemental insurance may give you the additional protection you need. By understanding and evaluating your Medigap options, you can manage the financial risk of medical expenses, giving you the confidence that your health needs will be met.
Financial Advisor January 2009 Allen Hamm	Read Carefully Big improvements have come to long-term care insurance, but financial advisors need to be aware that some policies still contain unacceptable restrictions for accessing benefits.
Bank Director 1st Quarter 2009 Charles Keenan	Sleep Insurance: How the Market is Affecting Your D&O Coverage Banks face a double whammy of sorts, since rockier times will make it almost necessary to raise coverage limits for directors in order to retain or lure them.
Financial Planning December 1, 2009 Donald Jay Korn	Prudent Policy Agents should help their clients reevaluate their insurance policies at the end of every year.
Investment Advisor September 2009 Marlene Y. Satter	Insurance Update: An Asset to Planning According to the American Association for Long-Term Care Insurance, asset-based LTC insurance is on the rise.
Financial Advisor May 2007 Tracey Longo	Unfulfilled Promises? With LTC insurance sales down in 2006, here's what some financial planners are doing to pick up the pace.
The Motley Fool October 30, 2006 Tim Beyers	Foolish Advice on Life Insurance Life insurance seems simple. And it should be. But more and more agents are selling complex, commission-boosting products that do little for consumers. Be cautious and buy only the minimum.
On Wall Street September 1, 2013 Mason Braswell	Pitfalls of Long-Term Care Insurance Products Designed to allay your clients' worst fears about aging, these insurance products sometimes come with their own nightmares.
Financial Planning September 1, 2011 Joseph A. Tomlinson	Is Long-Term Care Insurance Worth It? It requires a big investment of time for advisors to learn enough about long-term-care insurance to be helpful to clients.
The Motley Fool January 15, 2008 Dayana Yochim	8 Ways to Insure Your Home Insurance Stop paying a bucketful of cash for a thimble's worth of coverage. Read on for ways to get the most from your home insurance.
The Motley Fool August 31, 2007 Dan Caplinger	Keep Life Insurance Simple Why make a useful tool more complicated than it needs to be? Life insurance is a helpful tool to have.
Investment Advisor July 2007 Rosanne Grande	"A Piece of Paper or a Place to Live?" Here are some key issues that must be addressed before advising financial planning clients to purchase a long-term-care insurance policy.
Entrepreneur March 2010 Rosalind Resnick	Get the Most Out of Life Knowing what you're getting into with life insurance will prevent you from overpaying - and from being underinsured.
Registered Rep. July 18, 2011 Alan Lavine	Considering Life Insurance for Single Clients More than half -- 54 percent of single men and 58 percent of single women -- lack life insurance coverage.
The Motley Fool August 4, 2005 Selena Maranjian	Insurance to Keep Your House? Insuring your life may be smarter than insuring your mortgage. Here's why.
The Motley Fool December 29, 2006 Ryan Fuhrmann	A Closer Look at Insurance Stocks Insurance companies provide an invaluable service by allowing individuals to pool and share risk. The challenge for investors is locating companies with proven abilities to profitably navigate an uncertain future.
Registered Rep. October 17, 2011 Alan Lavine	Tune Up: Sometimes It Makes Sense to Exchange a Client's Life Insurance Policy Today's life insurance policy may provide more benefits at a lower cost than coverage purchased more than a decade ago.
Financial Planning November 1, 2008 Tom Riekse Jr.	Care for the Caregivers Caregivers -- a high percentage of whom are women -- begin thinking about the impact that health problems could have on their family. Financial planners should know how to address their concerns.
Investment Advisor August 2006 Marlene Y. Satter	Insurance Update: Insurance Multitasking Long-term care insurance is frequently a hard sell, until people are older and often ineligible for coverage. Planners thus may be interested in a multifaceted strategy that answers several needs at once.
The Motley Fool April 27, 2007 Buz Livingston	Hillary, Obama, and Long-Term Care Perhaps instead of grandstanding with the GAO, Senators Obama and Clinton would better serve the country if they urged federal guidelines for LTC policies.
Inc. April 2007 Dan Briody	Full Coverage How to hedge your cyber risk with insurance.
CFO April 1, 2003 David M. Katz	Holes in the Net? Insurers' woes are mounting -- and your company's coverage may be at risk.
The Motley Fool October 26, 2007 Buz Livingston	Buy Term, Young Man Don't fall for insurance hype. By taking up so much of a young family's budget, whole life doesn't give most families the balanced financial plan they need.
Financial Planning April 1, 2010 Donald Jay Korn	Medicare: Change is Coming This is a great time to get together with clients over 65 who will be affected by health care changes and go over their Medicare coverage. At the same time, you can see what other areas of financial planning are on their mind.
Financial Planning November 1, 2011 Donald Jay Korn	Barely Covered When the going gets tough, the tough cut costs. Clients worried about their finances may think about dumping big expenses that may seem to be a luxury, such as disability insurance. In this case, they would likely be wrong.
The Motley Fool January 22, 2007 Dan Caplinger	Understanding Medicare: Costs The deductibles and co-payments for Medicare Advantage Plans and prescription-drug plans can vary greatly between particular plans. A thorough examination of such plans is necessary for understanding the costs and to make a good decision about which plan to choose.
Financial Advisor January 2009 Mary Rowland	Getting The Most From No-Lapse Coverage No-lapse universal life keeps growing, but few understand these policies.
Financial Planning April 1, 2010 Stacy Schultz	Long-term care is taking off... REALLY? The Great Recession has brought much change-and given a hefty push-to the long-term-care industry. But these policies still have a long way to go before they are a staple in Americans' retirement portfolios.
Investment Advisor September 2008 Melanie Waddell	LTC Payouts: $3.5 Billion in '07 Approximately 180,000 Americans with long-term care insurance policies were paid benefits in 2007, according to a new study.