What are the Three Levels of Long-Term Care?
The three levels of long-term care are skilled care, intermediate care, and custodial care — each defined by the intensity […]
Are You Prepared for Long-Term Care Expenses?
Most Americans aren’t financially prepared for long-term care, largely because they hope they’ll never need it. But if you or
Determining Your Need for Long-Term Care Insurance
Most people need enough long-term care insurance (LTCI) to cover 50% to 100% of the average daily cost of nursing
Should I buy long-term care insurance?
As you age, the odds of needing home care, nursing home care, or assisted living rise significantly — and this
Using Cash Value Life Insurance
Cash value life insurance is a type of permanent life insurance that builds savings inside the policy over time, similar
Is whole life insurance appropriate for me?
Whole life insurance is a form of permanent life insurance with fixed premiums, a guaranteed death benefit, and cash value
Can I use life insurance to save for retirement?
Yes, in some cases — but it depends on your age and goals. If you already have permanent life insurance
Can I use life insurance to cover expenses if I become terminally ill?
Yes — a terminal illness diagnosis doesn’t mean your life insurance is off-limits until death. Depending on your policy, you
Life Insurance with a Long-Term Care Rider
If you need both life insurance and long-term care protection, a single hybrid life insurance policy with a long-term care
How to Age-Proof Your Brain
You have more control over brain health than you might think. According to neuroscience researcher Dr. Marc Milstein, five daily
