Insights

Many of our clients want to be prepared for the possibility of having to pay for long-term care. Most everyone likes the idea of having long-term care insurance.

The future of life insurance will be different than in the past. Over the past 30+ years, we have been in a declining interest rate environment. This means that new money pouring into the insurance companies to be invested has generally earned a lower rate than prior new money that was invested earlier when rates for conservative investments were higher.