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For high-net-worth clients who balk at buying a stand-alone long-term care policy, consider life insurance with a long-term care rider. New policies offer options that are flexible enough to accommodate a number of different death benefits and care options for a single premium.
Horsesmouth Essential: If you are having trouble convincing clients to purchase a long-term care policy, walk them through a cost-benefit analysis, educate them on the new trends in long-term care, and then have them visualize a worst-case scenario. Once they imagine the burden they could become to their children, they may understand the need.
Scenario planning shouldn't stop at retirement. Take married clients down that dark path of imagining what their situation might look like when one of them dies or becomes incapacitated. An early dose of reality can help you build a financial foundation for the surviving spouse.
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Social Security and Medicare Workshop
With Elaine Floyd, CFP®
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