Long-Term Care Insurance

Someone turning 65 today has almost a 70 percent chance of needing some type of long-term care, for an average of 3 years. About 20 percent will need it for longer than 5. The cost of that care is steep. The CareScout 2025 Cost of Care Survey puts the national median for assisted living at […]

Everyone wants lower monthly insurance premiums. That is especially true of long term care insurance (LTC insurance). We all want our long term care insurance to be cheaper and easier to manage financially, without sacrificing any of the quality of care. Luckily, there are ways to get low cost long term care insurance. Within this

There are many different insurance products a person can sell in their career as an insurance agent. They can sell life insurance. They can sell health insurance. They can sell auto insurance, and more. Yet, while these products can be very valuable, there are also problems: That is why many insurance agents – and those

Long term care insurance is one of the most underutilized, highly recommended types of insurance available today. Only about 5% of seniors over 60 have LTCI, while experts recommend that anywhere from 30% to 70% of seniors should have it based on their health and long term needs. This is one of the most frequently

Getting older comes with a real chance of needing help with everyday activities — dressing, bathing, preparing meals, getting around the house. When that day comes, most people find their biggest worry falls into one of three categories: not wanting to lean on family for care, staying in a familiar home for as long as

Retirement is the finish line most people spend decades working toward. The savings, the investments, the careful planning — all of it built toward the moment when work becomes optional and life becomes yours to shape. Getting there is an accomplishment worth protecting. What many retirees don’t fully plan for is the financial impact of

Most people think about long-term care insurance as protection for the person who gets sick. That framing is understandable, but for married couples, it misses half the picture. When one spouse needs long-term care, the financial and emotional consequences fall just as heavily — sometimes more heavily — on the spouse who remains at home.

Long Term Care Resources – Pacific Agency (LTCR Pacific) is more than an insurance company. We support seniors, and we do that by helping people find out what solutions make the most sense for their financial needs. Often, that is long term care insurance. But it’s also not the only option. Most people think of

Financial advisors, wealth managers, and insurance agents focus on growth strategies, retirement income planning, and portfolio diversification. Those are critical services. But there’s a risk that can undermine all of that careful planning, and it often gets overlooked until it’s too late — the cost of long-term care. If your clients need extended care due

One of the most common objections people have when considering long term care insurance is also one of the most understandable: “What if I pay premiums for years and then never need long term care? Did I just throw all that money away?” It’s a fair question. You’re being asked to pay for something you