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Today's Key Question:
Have you been trying to compare stand-alone long-term care insurance policies, with hybrids that combine benefits for LTC with life insurance? The article below from Financial Advisor could help you.
"AMERICAN RESILIENCE: A look at how New Orleans' world-famous dining scene recovered after Hurricane Katrina, one of the most devastating natural disasters in US history"
From Business Insider:
* As local chef Susan Spicer recently told The New York Times, "people realized that restaurants were more than just places to go eat" in the aftermath of Katrina. "They are culture bearers and community gathering places."
"What startups aren’t getting about how COVID-19 has sliced their runway"
* Look at it this way: If you know someone is going to burgle your house in six months, do you simply sit and wait, or do you take action to prevent it? Here’s how to realistically work out your startup lifeline and counter the effects of COVID-19 before it’s too late.
"COVID-19 Herd Immunity Is Much Closer Than Antibody Tests Suggest, Say 2 New Studies"
* The prevalence of immunity to the coronavirus that causes COVID-19 may be much higher than previous research suggests according to an intriguing new study by researchers associated with Karolinska Institute in Sweden. In addition, a new German study by researchers associated with the University Hospital Tübingen in Germany reports that people who have been previously infected with versions of the coronavirus that cause the common cold also have some immunity to the COVID-19 virus. If these reports stand up to further scrutiny, it would be very good news because they suggest that the pandemic could be over sooner and ultimately be less lethal than feared.
"Stand-Alone LTC Insurance Vs. Hybrid Policies"
From Financial Advisor:
* "The lion's share of our clients [are] opting for the hybrid policy because they like the guaranteed premiums and guaranteed disbursement," said Gordon, "whereas [with] the stand-alone policies you have to be prepared for future rate increases, and it has the use-it-or-lose-it [risk]."
Here's a short video from Steve on how you can purchase insurance in these changing times....Watch Here