Things have changed in the last ten years. Americans are afraid to buy Long Term Care Insurance.

They have seen how the industry has raised premiums on existing policies. Others don’t like the “use it or lose it” proposition, where the premiums are not returned unless they file a claim.Read More

If you purchased a permanent life insurance policy over five years ago, your agent probably explained the benefits of cash value. You may have also been told that you could access it during life. But, if you bought the policy based on paying in the lowest premium for the highest death benefit, you may not have been told the full story. Read More