March 01, 2015

Long-Term Care Insurance: Providing Peace of Mind and Financial Security

Kyle Metcalf

In my 27-year career as a long-term care insurance specialist, I have witnessed quite a few changes. What started out as almost a cottage industry product grew into a mainstream financial services product. However, part of the growing pains included benefit changes, higher premiums for new products, and rate increases on in-force policies. The one thing that has remained constant throughout this period of time is the need for care and consequently the need for proper planning.

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