In this episode of Long-Term Care Insurance Now, Scott A. Olson shares a real-life client story that highlights what happens when an application is unexpectedly declined and how expert advocacy can make all the difference. Scott walks through how a simple underwriting mistake was identified, challenged, and ultimately reversed. This case study offers valuable insight into why having an experienced specialist in your corner truly matters.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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In this episode, Scott A. Olson, CLTC, shares a real-world client case that proves a long-term care insurance decline isn't always the end of the road. He walks through how a 48-year-old entrepreneur was initially denied coverage, but Scott's deeper understanding of underwriting guidelines led to approval with a better policy at a lower premium. One "no" doesn't mean every company will say no, and the right strategy can uncover better options than you expect.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
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Twitter

In this episode, Scott A. Olson, CLTC, continues the "26 Client Profiles in 2026" series by sharing the real-life long-term care planning story of "Barbara," an 83-year-old widow who secured coverage when most people her age cannot. Scott breaks down the underwriting challenges, the policy design, the costs, and how this coverage compares to Jason's policy discussed in the prior episode. It's a practical, behind-the-scenes look at how thoughtful planning and timing can still make a meaningful difference, even later in life.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

In this episode, Scott A. Olson continues his new "26 Client Profiles in 2026" series by sharing the real-life long-term care planning story of "Jason," a 40-year-old professional who qualified for a simplified-issue policy despite chronic health conditions. Scott explains the financial priorities that should come first, why Jason ultimately bought coverage, and how his benefits grow dramatically over time.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

Why did more than 150 insurance companies really stop selling traditional long-term care insurance? In this episode, Scott A. Olson, CLTC, exposes one of the industry's biggest half-truths. He explains how the Rate Stability Regulation in the early 2000s reshaped the long-term care insurance market and why today's remaining carriers are specialists, not survivors by accident.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

In this episode, Scott A. Olson kicks off his new "26 Client Profiles in 2026" series by sharing the real-life long-term care planning story of "Bill and Kim," a couple who did everything right. Scott walks through their background, health history, and decision-making process, explaining why a traditional long-term care insurance policy was the best fit for them, with over $1.5 million in projected shared benefits.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

Considering life insurance as a way to plan for long-term care? In this episode, Scott A. Olson walks through a real-life case study that shows why guaranteed values matter most when evaluating Life/LTC hybrid policies. He explains the five non-negotiable criteria every policy should meet and exposes common (and costly) mistakes made by advisors and consumers alike.

If you've been handed a life insurance illustration instead of long-term care insurance, Scott will review it for you at no charge.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

In this episode, Scott Olson, CLTC, co-founder of LTCShop.com and author of Long-Term Care Insurance Now, reveals how "guaranteed" life insurance illustrations can mislead consumers, especially when used in place of traditional long-term care insurance. Scott breaks down a real example where an advisor presented only the non-guaranteed pages of a policy, hiding the actual guaranteed values. He shares the five must-have guarantees every life/LTC policy should include. 

If you've been handed a life insurance illustration instead of long-term care insurance, Scott will review it for you at no charge.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

In this episode, Scott A. Olson, CLTC, shares how his mother-in-law turned $40,000 in long-term care insurance premiums into more than $280,000 in benefits, ultimately creating an $878,000 positive impact on her net worth. He explains how her policy enabled her to avoid capital gains taxes, preserve real estate investments, and invest excess income while her care costs were fully covered. It's a clear, real-world example of how long-term care insurance can protect both assets and family.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

In this episode, Scott A. Olson, CLTC, shares how his mother-in-law turned $40,000 in long-term care insurance premiums into more than $280,000 in benefits, ultimately creating an $878,000 positive impact on her net worth. He explains how her policy enabled her to avoid capital gains taxes, preserve real estate investments, and invest excess income while her care costs were fully covered. It's a clear, real-world example of how long-term care insurance can protect both assets and family.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter