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Four Components in Pricing Long Term Care Insurance

Four Components in Pricing Long Term Care Insurance

​ Published in Bradenton Herald: November 15, 2016 By GARDNER SHERRILL  |Investor’s Column November 15, 2016 4 Components in pricing Long Term Care Insurance ​November is National Long-term Care Awareness month, so in memory of my father who had Alzheimer’s, I thought I’d dedicate an article to this important subject. What is the cost of long term care insurance? As always in any complicated transaction – the answer is always “It depends”. There are four primary determinants that I will…

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Learn the language of life insurance

Learn the language of life insurance

Term vs. Permanent Life Insurance Thirty-nine percent of men and 43 percent of women have no life insurance at all, according to LIMRA, which keeps close tabs on the life insurance industry. When asked why they don’t have coverage, the majority of those surveyed said they have other financial priorities right now, such as paying off debt or preparing for retirement. However, these respondents also said they would have “immediate trouble” meeting everyday living expenses if the primary breadwinner died…

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Understanding Long-Term Care

Understanding Long-Term Care

Addressing the potential threat of long-term care expenses may be one of the biggest financial challenges for individuals who are developing a retirement strategy. The U.S. Department of Health and Human Services estimates that 70% of people over age 65 can expect to need long-term care services at some point in their lives.1 

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