New Thinking On – And Innovative Ideas For – Retirement

2019-06-08 20_18_26-On my eames _ HD photo by Nikita Kachanovsky (@nkachanovskyyy) on UnsplashRobots and a smart fridge keeping you from having to go into a nursing home. Some new (and simple) math for retirement saving. New alternatives to purchasing long-term care insurance. The retirement community of the future. There are among what may be the best new ideas in retirement as, thanks to increasing longevity and the changing nature of work, traditional “institutions, financial instruments and even our vocabulary no longer seem adequate to cope with the challenges of retirement.” For more on these retirement innovations, CLICK HERE.

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QLACs: One Option For Funding A Long, Long Retirement

2017-07-23 13_41_35-Man's Right Face · Free Stock PhotoQualified longevity annuity contracts (QLACs) are still a relatively new option on the retirement planning scene, but they may be an option worth considering when it comes to hedging against longevity risk, with the author of today’s article advising one to “think of [QLACs] as insurance against running out of money if you live to be very, very old, and as a possible alternative to long term care insurance.” To learn more about how QLACs work, CLICK HERE.

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The Quest For Affordable Long-Term Care Insurance: 5 Insider Tips

2016-10-09 08_02_35-Films & TVWhile the Department of Health and Human Services estimates that almost 70% of those turning 65 today will require long-term care at some point (and 20% will require it for longer than five years), today’s article acknowledges that – shocked by the prices – too many are choosing to forego this insurance. As such, today’s article outlines five “insider tips for finding affordable long-term care insurance.” What does one insider say is “the ideal age” to begin shopping for long-term care insurance? Why does another insider recommend against adding riders to your policy? CLICK HERE to read more.

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Alternatives To Traditional Long-Term Care Insurance

2016-08-21 19_31_46-Morguefile.com free stock photosWhen it comes to traditional long-term care insurance, the author of today’s article acknowledges that “for the typical retired couple in the United States, $3,200 a year is a meaningful expense. Especially when they are paying for something that they might never use.” As such, he provides an overview of how the insurance industry has changed over the last several years, offering alternative products in order to respond to the fact that many people are not buying the insurance that they will need due to its “use it or lose it” nature. To read more about these options – “linked-benefit” life insurance products, long-term care annuity products and accelerated death-benefits, CLICK HERE.

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