Every fall, I have to get my ladder out and start the day-long process of cleaning my gutters. To save me the headache (and possibly a broken bone), one of these years I’ll invest in those gutter guards I see advertised all the time. Until then, I’ll continue this annual process.
The long-term care (LTC) insurance product landscape has changed dramatically over the past decade. Today, consumers have more options than ever, including asset-based LTC. LTC insurance has its advantages and the process…