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Recent Posts
How Insurance Deductibles Work

An insurance deductible is the amount you, the insured, pay before any claim is paid ...

The post How Insurance Deductibles Work first appeared on Integrated Tax Planning, Legal Planning & Financial Planning.

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Enhancing Estate Planning through Heir Involvement

Estate planning goes beyond legal formalities; it’s an essential process that facilitates meaningful family dialogue ...

The post Enhancing Estate Planning through Heir Involvement first appeared on Integrated Tax Planning, Legal Planning & Financial Planning.

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Social Security, Medicare, and HSAs

If your employer health plan is a health savings account (HSA) paired with a high-deductible ...

The post Social Security, Medicare, and HSAs first appeared on Integrated Tax Planning, Legal Planning & Financial Planning.

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Life Combination Policies May Fill Long Term Care Gap

June 1, 2018

Long term care insurance is known as one of the most expensive forms of insurance out there and it is extremely important for people to have long term care insurance coverage. Long term care insurance coverage provides a critical stop gap in the event that someone becomes suddenly disabled or affected by a cognitive or physical issue that renders them in need of nursing home care. New life combination policies have emerged to step in where traditional long-term care insurance falters. 

Traditional sales of long term care insurance policies have dropped by 60% since 2012. A newer option for ensuring against the risks of long term care costs includes universal life insurance that has long term care protection. In 2012, only 86,000 of these policies were sold, but that number surged to 256,000 in 2016.

Nearly half of retirees have indicated that they are not confident they will be able to pay for their own long-term care, according to research gathered and presented by the Employee Benefit Research Institute, and even higher portion of workers share that same concern.

And a 2016 study conducted by LIMRA found that the number of retirees concerned about long term care expenses has increased from 2006 numbers by 13%. If you are curious about how to thoroughly protect yourself against the cost of long term care and ensure that you have made the move to get help quickly and easy one, contact an experienced estate planner today.


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Schedule your free Exploratory phone call

Click here to see how we
can be of assistance.

Careers/Open Positions

Explore all available job
listings and become a part of an amazing team.

Our Social Media

Connect with us on Social Media using the following buttons:

Visit our Podcasts

Listen in, Join the Conversation!

Recent Posts
How Insurance Deductibles Work

An insurance deductible is the amount you, the insured, pay before any claim is paid ...

The post How Insurance Deductibles Work first appeared on Integrated Tax Planning, Legal Planning & Financial Planning.

See more
Enhancing Estate Planning through Heir Involvement

Estate planning goes beyond legal formalities; it’s an essential process that facilitates meaningful family dialogue ...

The post Enhancing Estate Planning through Heir Involvement first appeared on Integrated Tax Planning, Legal Planning & Financial Planning.

See more
Social Security, Medicare, and HSAs

If your employer health plan is a health savings account (HSA) paired with a high-deductible ...

The post Social Security, Medicare, and HSAs first appeared on Integrated Tax Planning, Legal Planning & Financial Planning.

See more