Developments in Long Term Care
Presented by: Steve Hein

With estate tax exemptions increasing long term care is for many people a large expense for estate preservation. Traditional long term care with it’s cost increases, use it or wasted premium and reimbursement model, has failed to excite consumers. New annuity/long term care and life insurance/long term care with it’s fixed costs, multiple uses, and indemnity model should better provide for the growing needs for long term care.

Learning Objectives:

• Explore the growing need for long term care
• Learn about how traditional long term care works
• Learn about how life insurance/long term care works and it’s advantages over traditional long term care