Unlimited term LTC insurance is still available today. Most of my clients who buy the unlimited LTCi policies are doctors or lawyers or nursing home administrators. youtube.com/watch?v=p7ytytUi…

Infinite banking is one of the most misunderstood concepts in personal finance. The pitch version: use whole life insurance to become your own bank and never pay interest to anyone again. The reality is more nuanced and more interesting. A properly structured whole life policy from a mutual carrier builds guaranteed cash value every year. The dividend history at top carriers spans decades without interruption. You can borrow against that cash value at any time. No credit check. No application. No income verification. The loan accrues interest but the cash value continues to compound internally as if the loan were never taken. That is the arbitrage the strategy is built around. Here is what most people selling it get wrong. The strategy requires a permanent commitment to premium. Loans must be serviced or the policy can lapse with a significant tax consequence. And it works best when funded with dollars that have no better tax efficient home. Funded correctly and serviced for life it is a legitimate planning tool. Sold as a miracle to someone who should own term first it is a commission strategy wearing a concept.

When it comes to long-term care, you likely won't be the one calling the shots. 90% of the time, that burden falls on your family during one of the most stressful moments of their lives. Buy my book on Amazon: zurl.co/F3CxY Listen to the podcast: zurl.co/D2yDF Watch our YouTube channel: zurl.co/HQCn3 Our website to learn more: zurl.co/Yd9FL Scott A. Olson, CLTC®, is co-founder of zurl.co/Yd9FL and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232. #Caregiving #FamilyFirst #ElderCare #FuturePlanning #longtermcareinsurance #ltc #ltci

Why did someone have to tell him? If he was smart enough to hold a job for 40 yrs and manage his own home, he was smart enough to ASK about long term care. AND buy long term care insurance. That's also a super expensive long term car facility.

There is long term care insurance, if bought early in life it is very affordable. Clearly your uncle didn't know this. Learn from his mistakes, you too will one day get old. I would suggest that in addtion to complaining about society you get prepared.

That scenario is the #1 reason many of us were convinced to get long term care insurance…

Stop guessing how you'll "feel" about spending your savings in the future. Instead, ask the one practical question that cuts through the noise and actually protects your estate. Buy my book on Amazon: zurl.co/AD4w3 Listen to the podcast: zurl.co/UZM8C Watch our YouTube channel: zurl.co/QNlWG Our website to learn more: zurl.co/33z4u Scott A. Olson, CLTC®, is co-founder of and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232. #FinancialAdvice #RetirementPlanning #AssetProtection #WealthStrategy

Why do most long-term care plans fail before they even start? It comes down to a single question, and why the answer you give while healthy completely changes when reality hits. Buy my book on Amazon: zurl.co/PXVMY Listen to the podcast: zurl.co/Ri1CD Watch our YouTube channel: zurl.co/Zf5bd Our website to learn more: zurl.co/n8EeS Scott A. Olson, CLTC®, is co-founder of zurl.co/n8EeS and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232. #LTCPlanning #FinancialPlanning #WealthManagement #SmartMoney #longtermcareinsurance

That's no longer true. The WA Cares benefits can now be received outside of Washington state: wacaresfund.wa.gov/news/port…

Not all elimination periods work the same way. Some policies have separate elimination periods for home care and facility care, and understanding the difference between service day and calendar day can make a major impact during a claim. Buy my book on Amazon: zurl.co/QgYFT Listen to the podcast: zurl.co/kIluW Watch our YouTube channel: zurl.co/SQuHw Our website to learn more: zurl.co/HkkLF Scott A. Olson, CLTC®, is co-founder of zurl.co/da2Ft and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232. #LongTermCareInsurance #InsuranceEducation #CarePlanning #RetirementPlanning #LongTermCare

Most people think a “service day” means 24 hour care. It doesn’t. With the most common Type A elimination period, even a short home health aide visit can count as one full day toward your elimination period. Understanding this can make a huge difference when it’s time to file a claim. Buy my book on Amazon: zurl.co/z49xF Listen to the podcast: zurl.co/lLqIG Watch our YouTube channel: zurl.co/qJ18i Our website to learn more: zurl.co/eawkJ Scott A. Olson, CLTC®, is co-founder of zurl.co/6AO3Q and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

A real life example of how a 90 service day elimination period worked for our family. Small daily home care visits made a huge difference and helped satisfy the elimination period quickly with minimal out of pocket expense. Buy my book on Amazon: zurl.co/t8RGI Listen to the podcast: zurl.co/1dxjA Watch our YouTube channel: zurl.co/V8g5b Our website to learn more: zurl.co/3H8Tf Scott A. Olson, CLTC®, is co-founder of zurl.co/wXopL and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232. #lifeinsurance #ltc #longtermcareinsurance #insurancerates #insurance

Not every investor has the same financial risks. This perspective explains why moderate investors may have the most to lose without a long term care plan. Buy my book on Amazon: zurl.co/r4c0o Listen to the podcast: zurl.co/UL2YY Watch our YouTube channel: zurl.co/c2ly0 Our website to learn more: zurl.co/s9hRx Scott A. Olson, CLTC®, is co-founder of zurl.co/s9hRx and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232. #LongTermCare #LongTermCareInsurance #RetirementPlanning #FinancialPlanning #AssetProtection #Retirement

A real example of how a 90 day service elimination period worked for our family. Even short daily home care visits helped us meet the requirement. My book: zurl.co/1FGVH Podcast: zurl.co/it6oE YouTube: zurl.co/V0ii4 Website: zurl.co/l0aQv

Most later-in-life couples don't realize that #prenups won't protect assets if the other spouse needs #longtermcare

This example confuses a lot of people in long term care insurance. Here’s why it does not make much practical sense. Buy my book: zurl.co/JBZch podcast: zurl.co/3hZzw YouTube channel: zurl.co/tYmG8 Learn more: zurl.co/Mfdsh

Clear answers. Real guidance. If long term care insurance has ever confused you, this book breaks it down in a way that actually makes sense. Know your options, understand the pros and cons, and make a decision that fits your life. Buy my book on Amazon: zurl.co/ry3Gd Listen to the podcast: zurl.co/LBFWv Watch our Youtube channel: zurl.co/4isz4 Our website to learn more: zurl.co/bU2aj #ltci #lifeinsurance #ltc #insurancetips #longtermcare #fiancialfreedom #retirementplanning #longtermcareinsurance #financialplanning101 #caregiving

It's important to shop around for long-term care insurance. Prices vary A LOT. youtube.com/watch?v=j-BVm9oK…

LTC insurance daily limits are chosen by the policyholder at the time of application. With my mother-in-law, we chose a daily limit that was higher than current costs at the time. She also had inflation protection. That is why her policy covered the full cost of her care, except for the first 90 days. Even so, is it a bad thing if someone's long-term care insurance, plus social security, plus interest income, plus RMD's are enough to cover the full cost of care? Isn't it a good thing to not have to liquidate assets?

Why wouldn't it be worth it for you? Don't you want to protect your assets for your spouse? If one of you had to self-pay for long-term care for several years, how would that impact the future retirement income of the healthy spouse? Watch this: youtube.com/watch?v=UsLlbaxM…