Blog Central

The United States is in a period of rapid demographic change, also known as disruptive demographics. With average life expectancy just shy of 80 years, the population of older adults in the U.S. continues to grow. The aging of the U.S. has resulted in broader compositional shifts in the overall population.

When trying to help clients decide which long- term care solution is right for them—short-term care, traditional long-term care, annuity doublers, chronic illness riders, long-term care riders, hybrid life, or hybrid annuities—it can sometimes be intimidating. Understandably so. Producers are accountable for their own due diligence to ensure the recommendation is suitable and in the best interest of the client.