All riders are not created equal

With long-term care and chronic illness riders, the devil is in the details. Know the differences before you recommend options to your clients. As aging baby boomers expand the elder population, long-term care (LTC) will continue to escalate in importance as a segment of financial and retirement planning. There was a time when the only … Continue reading

Universal Life Riders to the Rescue

By Jeff Koll for Some of the biggest news in the employee benefits industry lately is less about new products and more about what insurance companies aren’t offering: long-term care insurance. Several major players have exited the individual long-term care market, and some carriers are discontinuing their group products as well. However, long-term care … Continue reading