Many retirees are facing painful premium increases on traditional long-term care insurance, leaving them wondering if they should keep, cancel, or replace their policy. We’re joined again by long-term care expert Alecia Barnette, who explains why these increases are happening and introduces a modern alternative. You’ll learn how these plans provide flexibility, guarantees, and even a death benefit, giving you more control and peace of mind for future care needs.

Here’s some of what we discuss in this episode:

💸 Premium Increases: why older long-term care policies are becoming so expensive

💰 Policy Challenges: what to do if you can’t afford rising premiums

🏦 Asset-Based Care: how new policies combine protection and ownership

🧾 Exit Strategies: avoiding “use it or lose it” coverage

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