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Long Term Care (LTC)
| Long-term care is the assistance provided when a person is unable to provide for himself or herself as the result of disability or a prolonged illness. It ranges from providing personal care at home, such as bathing and dressing, to skilled nursing services in a nursing home. LTC policies are not for everyone. It depends on your age, health status, overall retirement objectives, income and wealth. | Helpful Guides and
Links: Clark's LTC Honor Roll Discuss it: Insurance forum Resources & Contacts |
Getting old is unaffordable
Around two-thirds of Americans over age 65 will need long-term care, either through at-home health care services in the home or an assisted living facility or nursing home. Yet more than 90 percent of those surveyed in the Genworth Financial "2013 Annual Cost of Care" report haven't talked about critical ...
What kind of life insurance do you need, if any?
Do you need life insurance? Clark tells you how to determine the answer, and he offers advice about the best kind of policy to buy.
The trouble with death futures contracts
Buying somebody's life insurance policy and then hoping they die an early death is a ghoulish way to make money. But that's the just the start of what's wrong with death futures contracts....
A policy more important than Life insurance?
People have gotten used to hearing Clark stress the importance of buying level term life insurance if you have dependents. But there's another kind of policy that you're even more likely to need...
Which kinds of insurance to buy (& NOT buy!)
Insurance pitches are everywhere, but not all insurance is necessary. Clark names five kinds of policies to skip and four kinds you've got to have to protect yourself and your family.
Clark Talks Life Insurance
Do you find shopping for life insurance daunting? Clark cuts through the clutter with a recommendation about his favorite kind of policy, so you can ensure your family will be provided for in the event of your death.
Long Term Care Insurance Honor Roll
Long term care insurance is a smart decision for many people. It helps pay for long-term nursing home care or for health care assistance in your home when you get older. But far too few people choose to buy it. Here are some guidelines to follow if you are thinking ...
Minimize your risk if your insurance company fails
What happens when a life insurer fails? Clark has addressed this issue before and created some panic among listeners...so he's going to tread gently on the topic again! First off, there's no FDIC for failing insurance companies. Insurers have historically been regulated at the state level. So each state has ...
Federal bailout of the insurance industry
Well, another day and another federal bailout. For weeks now, Clark has been warning you about difficulties in the life insurance industry. Just yesterday, with great reluctance, he singled out one troubled life insurer named Lincoln National on the air. The consumer champ never wants to be a part of ...
What happens when a life insurer fails?
What happens when a life insurer fails? Unlike banks, insurance companies are regulated at the state level -- not the federal level. A state guarantee association is the last line of defense in the event of a failure. Unfortunately, with state guarantee associations, policyholders are often left waiting and wondering ...
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