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Showing 46 articles
February 04, 2026
3 min read
Life InsuranceFinancial Planning
Why Life Insurance Still Matters Even If Your Children Are Grown
Many people associate life insurance with raising young children. Once children are grown and financially independent, it is common to assume that life insurance is no longer necessary. In reality, life insurance can continue to play an important role even after children are on their own.
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January 28, 2026
3 min read
Long Term Care Insurance
The Difference Between Health Insurance and Long Term Care Insurance
Health insurance and long term care insurance are often mentioned in the same conversation, but they serve very different purposes. Many people assume that having good health insurance means they are fully covered if care is ever needed later in life.
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Life insurance is not something most people think about often once a policy is in place. However, life rarely stays the same for long. Changes in family, career, or financial responsibilities can all affect whether your current coverage still fits your needs.
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January 13, 2026
3 min read
Life InsuranceFinancial Planning
Life Insurance vs. Savings: Why They Serve Different Purposes
Many people work hard to build savings over time. Retirement accounts, emergency funds, and investment portfolios all play an important role in financial security. Because of this, some people assume that savings alone can replace the need for life insurance.
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January 06, 2026
4 min read
Long Term Care InsuranceRetirement Planning
Why Long Term Care Planning Is Really About Protecting Retirement Income
When people think about long term care planning, they often picture medical needs or future caregiving. While those concerns are real, long term care planning is just as much about finances as it is about care.
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As the year comes to a close, many people naturally start reflecting on what they have accomplished and what they want to improve in the year ahead. December often becomes a time for organizing paperwork, reviewing finances, and thinking about future goals.
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December 15, 2025
4 min read
Life InsuranceFinancial Planning
How to Choose the Right Beneficiary for Your Life Insurance Policy
Choosing a beneficiary may seem like a simple step when setting up a life insurance policy, but it is one of the most meaningful decisions you can make. The beneficiary you choose is the person who will receive the financial protection you are putting in place for your family.
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February 14, 2025
3 min read
Life InsuranceFinancial Planning
Can You Get Life Insurance If You Have a Pre-Existing Condition?
If you have a pre-existing health condition, you may assume that getting life insurance is impossible or too expensive. While certain medical conditions can affect your policy options, having a health issue doesn't mean you have to go without coverage.
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February 05, 2025
2 min read
Long Term Care InsuranceRetirement Planning
The Hidden Costs of Aging: Why Long-Term Care Insurance is a Smart Investment
Many people assume that as they age, Medicare or regular health insurance will cover the costs of long-term care. Unfortunately, that's not the case. Without proper planning, these expenses can quickly deplete retirement savings.
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January 28, 2025
2 min read
Life InsuranceFinancial Planning
Understanding Different Types of Life Insurance: Benefits and Disadvantages
Life insurance is a vital tool for financial security, but with so many options available, it can feel overwhelming to choose the right one. To make an informed decision, it's essential to understand the two primary types: term life and whole life.
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January 21, 2025
2 min read
Life InsuranceFinancial Planning
The Top 5 Insurance Mistakes People Make and How to Avoid Them
Insurance is a vital part of financial security, but mistakes can lead to unnecessary stress and financial hardship. Here are the top five insurance mistakes and simple ways to avoid them.
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Determining the right amount of life insurance is essential to ensuring your loved ones are financially secure if something unexpected happens. Here's a quick guide to help you calculate how much coverage you might need.
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July 1, 2025
3 min read
Retirement PlanningAnnuities
The Secret to a Worry-Free Retirement: How Insurance Protects Your Income and Your Future
Retirement planning is not just about stashing away funds in a 401(k) or IRA. It is about creating an income strategy that helps us sleep better at night, knowing our bills will be covered and our loved ones protected no matter what life brings.
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June 19, 2025
4 min read
Life InsuranceFinancial Planning
What Happens If You Outlive Your Term Life Insurance? Here's What You Should Know
Term life insurance offers peace of mind for a fixed period, whether 10, 20, or 30 years. But what happens if you live beyond the expiration date of your coverage? The good news is that outliving your policy doesn't have to leave you unprotected.
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May 16, 2025
5 min read
Life InsuranceFinancial Planning
Buying Life Insurance for Children: Does It Make Sense?
When people think of life insurance, they typically imagine policies designed for breadwinners. It may seem counterintuitive to consider buying life insurance for a child, yet there are scenarios where it can offer long-term financial benefits.
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April 21, 2025
4 min read
Life InsuranceFinancial Planning
They Were Glad They Had It: Real Stories of How Whole Life Insurance Made a Difference
Whole Life Insurance offers much more than just a death benefit. It's a permanent form of life insurance that provides coverage for your entire life and builds guaranteed cash value over time.
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April 8, 2025
4 min read
Life InsuranceLong Term Care Insurance
The Best of Both Worlds: How Hybrid Life and Long-Term Care Insurance Works
Hybrid life/long-term care insurance policies combine the benefits of life insurance with long-term care coverage, offering a more flexible and reassuring option for many individuals.
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Life insurance is one of the most important financial tools available, yet many people avoid it due to common misconceptions. In this post, we'll debunk some of the most common life insurance myths.
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March 18, 2025
4 min read
Long Term Care InsuranceFinancial Planning
Long-Term Care Insurance for Chronic Illness: Is It Worth It?
Living with a chronic illness can be physically, emotionally, and financially challenging. For those managing chronic conditions, Long-Term Care Insurance (LTCI) can provide vital financial protection and peace of mind.
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March 6, 2025
4 min read
Long Term Care InsuranceFinancial Planning
Stories of People Who Benefited from Long-Term Care Insurance
Long-Term Care Insurance (LTCI) is often overlooked until it's too late. Below are real-life stories of individuals and families who benefited from having Long-Term Care Insurance.
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October 20, 2025
4 min read
Life InsuranceFinancial Planning
How Much Life Insurance Do You Really Need?
Life insurance is one of the most important financial tools you can have, but deciding how much coverage you need can feel overwhelming. The right amount is different for everyone and depends on your family situation, your financial obligations, and your long-term goals.
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September 26, 2025
3 min read
Long Term Care InsuranceAnnuities
Long-Term Care Insurance vs. Self-Funding: What's the Smarter Choice?
When it comes to planning for future care, most people fall into one of two camps. Some believe they will simply pay for care out of savings if the time comes. Others look into insurance designed for long-term care.
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September 18, 2025
3 min read
Long Term Care InsuranceAnnuities
The Hidden Costs of Being a Family Caregiver
When a parent or spouse needs daily help, most families do what loving families do. Someone steps in. What begins as a few errands or rides to appointments can grow into hours each day, time away from work, and out-of-pocket costs that add up quickly.
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September 11, 2025
3 min read
Life InsuranceFinancial Planning
Life Insurance Myths That Could Leave Your Family Unprotected
When it comes to life insurance, there are a lot of misunderstandings that keep people from putting coverage in place. These myths may sound convincing at first, but believing them can leave your family without the protection they need.
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September 3, 2025
4 min read
Long Term Care InsuranceAnnuities
The Hidden Costs of Long-Term Care That Families Don't Expect
When people think about long-term care, they often picture a nursing home. The truth is, long-term care covers a much wider range of services, including home health aides, assisted living, and adult day programs.
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August 26, 2025
4 min read
Life InsuranceLong Term Care Insurance
What Happens If You Become Uninsurable? Protecting Yourself While You Still Can
Most people assume they can buy life insurance or long-term care coverage whenever they are ready. The truth is, timing matters. Your ability to qualify depends heavily on your age and your health.
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August 14, 2025
4 min read
Life InsuranceFinancial Planning
Why Waiting to Buy Life Insurance Could Cost You More Than You Think
When it comes to life insurance, many people put off making a decision. It can feel like something you will get to 'later,' when life slows down or when you think you will really need it. The truth is, waiting to buy life insurance often means you will end up paying much more.
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July 30, 2025
3 min read
Long Term Care InsuranceAnnuities
An Investment That Honors Your Family: Get 3X Coverage for Long-Term Care Without Burdening Your Children
Planning ahead is a value we hold deeply in our community. That's why long-term care planning is so important, and why there's one product we believe many families should know about: a long-term care annuity.
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July 23, 2025
4 min read
Long Term Care InsuranceRetirement Planning
What Medicare Doesn't Cover: Why You Might Need Supplemental Insurance
Many people nearing age 65 assume that once they enroll in Medicare, all their healthcare costs will be covered. Unfortunately, that is far from the truth. While Medicare offers valuable coverage, it has significant gaps.
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July 10, 2025
5 min read
Life InsuranceLong Term Care Insurance
Insurance Myths That Could Be Costing You Money: What You Need to Know
When it comes to insurance, myths and misconceptions are everywhere. People often base their decisions on hearsay, assumptions, or outdated information. Understanding the truth behind these common misconceptions is critical.
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December 29, 2025
4 min read
Life InsuranceFinancial Planning
Life Insurance Questions to Ask Yourself Before the New Year
As a new year approaches, many people naturally start thinking about what they want to improve or organize in their lives. One area that is worth revisiting at this time of year is life insurance.
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December 9, 2025
4 min read
Life InsuranceLiving Benefits
The Real Value of Living Benefits on a Life Insurance Policy
When most people think about life insurance, they think about protection for their family after they are gone. But modern life insurance can do much more. Today's policies often include features called living benefits.
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December 1, 2025
4 min read
Life InsuranceFinancial Planning
The Most Common Mistakes People Make When Choosing Life Insurance
Life insurance is one of the strongest financial gifts you can give your family. To help make everything easier, it is useful to understand the common missteps people often make when exploring their options.
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November 24, 2025
4 min read
Long Term Care InsuranceAnnuities
Tax Free Benefits: How Long Term Care Annuities Help Protect Your Retirement Savings
Most people work for decades to build a secure retirement. But one unexpected event can quickly change the stability of even the best retirement plan. Long term care annuities provide a practical way to reduce this risk.
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November 17, 2025
3 min read
Long Term Care InsuranceAnnuities
Protecting Retirement Savings From Long Term Care Costs
A retirement plan represents decades of work and careful saving. Yet one of the biggest risks to those savings is the cost of long term care. Many people believe Medicare will cover these expenses, but it does not.
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November 11, 2025
3 min read
Long Term Care InsuranceFinancial Planning
When Adult Children Become Caregivers: The Emotional and Financial Impact on a Family
Most of us hope to remain independent as we age. But for many families, the reality becomes more complicated. When an aging parent begins to need help with daily activities, it is often the adult children who step in.
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November 4, 2025
3 min read
Long Term Care InsuranceFinancial Planning
The Cost of Home Care in California — and How to Prepare
Many people assume that if they ever need help at home, they will simply hire a caregiver or use savings to pay for it. But when you look at the actual cost of care in California, those savings can disappear faster than most people realize.
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October 28, 2025
3 min read
Life InsuranceFinancial Planning
Why Stay-at-Home Parents Still Need Life Insurance
Many people assume that only the family member earning an income needs life insurance. But a stay-at-home parent may not receive a paycheck, but the value of everything they do each day is enormous.
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December 23, 2024
3 min read
Life InsuranceFinancial Planning
Term Life Insurance with Riders: A Smarter Way to Protect Your Loved Ones
When it comes to securing your family's future, term life insurance is a dependable and affordable choice. But did you know you can enhance your policy with riders?
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December 6, 2024
2 min read
Long Term Care InsuranceFinancial Planning
Planning for Long-Term Care: Securing Comfort and Choice
When most people hear 'long-term care,' they envision nursing homes or assisted living facilities. While these are common forms of long-term care, the term encompasses much more.
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November 21, 2024
2 min read
Long Term Care InsuranceFinancial Planning
Do You Have a Long Term Care Plan?
Most people believe they'll never need Long Term Care (LTC). Others assume they've saved enough to cover a short period of care. It's a common mindset—after all, no one likes to imagine themselves needing help with basic daily activities.
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Life insurance can be an essential safety net, yet many people are unsure whether it's truly necessary for them. Whether you're considering a policy for the first time or reviewing your current coverage, understanding when life insurance is necessary can make a big difference.
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November 7, 2024
4 min read
Long Term Care InsuranceFinancial Planning
Beyond Nursing Homes: Discover the Full Benefits of Long Term Care Insurance
When you think of Long Term Care (LTC) insurance, does a nursing home automatically come to mind? If so, you're not alone. Many people mistakenly believe that LTC insurance only covers care in nursing homes.
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October 30, 2024
4 min read
Long Term Care InsuranceFinancial Planning
Dementia and Alzheimer's Disease: A Growing Concern in an Aging Population
As our population ages, the prevalence of neurodegenerative conditions, like dementia and Alzheimer's disease, continues to rise. Alzheimer's, the most common form of dementia, significantly impacts individuals' memory, cognition, and day-to-day functioning.
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October 10, 2024
1 min read
Long Term Care InsuranceAnnuities
Smart Ways to Pay for Long-Term Care: How Annuities Can Help You Save
Long-term care (LTC) insurance is something many people overlook until it's too late, but it's a crucial part of financial planning. The reality is, the cost of long-term care can be steep.
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October 1, 2024
4 min read
Life InsuranceFinancial Planning
Term vs. Whole Life Insurance: What You Need to Know Before Making a Decision
When it comes to life insurance, the choices can feel overwhelming. You've probably come across two of the most common options: term life insurance and whole life insurance. But what's the real difference?
Read MoreFree Download -- 2026 Edition
Get Your Free LTC Planning Guide
Everything you need to know about protecting your retirement savings from the $300K+ cost of long-term care -- including a side-by-side comparison of your coverage options, tax advantages, and a step-by-step action plan.
2026 cost data & stats7 myths exposedOption comparison tablePolicy shopping checklistTax advantages breakdownCEO's personal message
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Comprehensive Guide - 2026 Edition
Long-Term Care
Planning Guide
Protecting What Matters Most
Inside This Guide
01The True Cost of Care in 2026
027 Dangerous Myths Exposed
033 Coverage Options Compared
04Tax Advantages & Savings
05Policy Shopping Checklist
06Your 5-Step Action Plan
20+
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FAQs
10
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