January 30, 2013 
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Top Resource Internet Web Sites When a loved one needs Elder or Long Term Care it can be frustrating to find answers. Because of this www.LifeInsuranceThinkTank.com has put together a short list of expert resources for you to build your knowledge and understanding of the assistance that is available to you. By all means, this [...]
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January 29, 2013 0 Comments
The journey of a loved one needing elder or long-term care can be filled with anxiety, frustration, and other feelings of helplessness. The following internet sites are filled with useful resources. Each site has multiple links to other groups that will also benefit you. By improving your knowledge from these sites, you can improve your [...]
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January 28, 2013 5 Comments
There are new 2013 tax deductible limits for long-term care insurance (LTCi). Some people, especially older people, may benefit because of this. According to the Internal Revenue Service, tax-qualified LTCi premiums are considered a medical expense. For individuals who itemize tax deductions, medical expenses are deductible to the extent that they exceed current amount required [...]
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January 25, 2013 0 Comments
When we speak to consumers, they tell us they want long-term care insurance but hate paying for something that they may never use. Several of them have likened it to going to the dentist; something that is often necessary, but just as often avoided at all costs. Because of the true cost of long-term care [...]
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January 24, 2013 2 Comments
The Facts As a policy holder you have several choices. Currently, 70% of the people over 65 years of age here in the USA need some type of LTC care. According to the U.S. Census Bureau, in 2010, 66% of nursing home residents were women, and only 16% of all residents were under the age [...]
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January 23, 2013 0 Comments
Today, there is a great deal of attention that is being focused on the aging of the population. As the Baby Boomer generation begins to reach retirement age, people are starting to realize that there may come a time when they could need assistance due to declining health or ability. Because of increased life expectancy, [...]
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January 22, 2013 0 Comments
When your long-term care policy runs out will you have to become poor to obtain State help? The original long term care policies that were sold prior to 2005 were not Partnership Certified. This means that for the government Medicaid program to pay for someone’s long-term care expenses, the person would have to be impoverished, [...]
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January 17, 2013 5 Comments
Here at Life Insurance Think Tank our primary goal is to educate you on all aspects of Life Insurance. Today we’d like to share an excellent short video from the non-profit organization Life and Health Insurance Foundation for Education (LIFE). With the number of families in the nation that don’t have life insurance (or don’t have [...]
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January 11, 2013 1 Comment
One of the most talked about life insurance products available today is Indexed Universal Life (IUL). An IUL provides the value of a permanent life insurance with the cash value of the policy invested into an account that is “linked” to the performance of a market index like the S&P 500. The value to the [...]
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January 9, 2013 0 Comments
It’s Not Your Parent’s Kind of Life Insurance Permanent life Insurance, like medicine and technology, has evolved to the extent that it hardly resembles what it looked like just a decade ago. The basics have remained the same, a death benefit, premiums, and an inside cash value that accumulates over time. What has dramatically changed [...]
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