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Not planning for long term care expenses impacts more than the individual receiving care, it also impacts the caregiver. Most family care givers have children under the age of 18 living at home, with many also juggling a full time job. The emotional and physical demands can be overwhelming, resulting in strained relationships within the home, including with their children. Planning ahead can alleviate these burdens. #buiusa #lifeinsurance #lifeinsuranceagent #insuranceagent #wealthmanagement, #wealthmanager #estateplanning #estateplanningattorney #cfp #ltc #awarenessmonth #familyprotection

According to a recent study by Lincoln Financial, Americans underestimate the impact long-term care expenses can have on their retirement savings. While 59% of consumers view inflation as the biggest threat to their retirement savings and approximately 51% point to the economy, 50% of financial advisors feel that consumers should give more attention to how long-term care costs can deplete these funds. With the cost of care already high and expected to rise further, failing to plan can have catastrophic financial consequences. This highlights the importance of proactive conversations with your clients to protect their nest eggs. #buiusa #lifeinsurance #lifeinsuranceagent #insuranceagent #wealthmanagement, #wealthmanager #estateplanning #estateplanningattorney #cfp #ltc #awarenessmonth #familyprotection

Failing to plan for long-term care expenses impacts more than just the care recipient; caregivers often bear a substantial burden, frequently sacrificing their own health and finances. #buiusa #lifeinsurance #lifeinsuranceagent #insuranceagent #wealthmanagement, #wealthmanager #estateplanning #estateplanningattorney #cfp #ltc #awarenessmonth #familyprotection

A LIMRA survey shows that more consumers think they own LTC insurance than actually do. Of those surveyed, 29% believe they own some form of standalone LTC insurance or a combination life/LTC policy, but data indicates actual LTC policy ownership is closer to 3.1%. This misconception is a result of consumers believing that health insurance, Medicare, or Medicaid will cover LTC services. While they may cover some costs, it’s typically minimal and for a short period. This startling statistic and misconception further demonstrates the need for financial professionals to educate consumers on long term care planning. We are happy to help you and your clients navigate this process with our Long Term Care Evaluation. Ask us today how we can help! #buiusa #lifeinsurance #lifeinsuranceagent #insuranceagent #wealthmanagement, #wealthmanager #estateplanning #estateplanningattorney #cfp #ltc #awarenessmonth #familyprotection

A survey conducted by Lincoln Financial found that 74% of respondents believe that living a healthy lifestyle is the key to long-term care. While a healthy lifestyle can lead to increased longevity, it may also bring age-related health conditions that could result in the need for long-term care. Long Term Care Awareness Month is the perfect time to start this conversation with your clients! #buiusa #lifeinsurance #lifeinsuranceagent #insuranceagent #wealthmanagement, #wealthmanager #estateplanning #estateplanningattorney #cfp #ltc #awarenessmonth #familyprotection

Many people delay thinking about long-term care insurance until it’s too late. A survey by Nationwide found that 39% believe the best time to shop for LTC insurance is when their health begins to decline. This risky mindset can limit options, increase costs, or even make coverage unattainable. As financial professionals, it's our duty to encourage proactive, strategic planning to help clients protect their future and gain peace of mind. Ask us about our popular Long Term Care Evaluation, where we handle the heavy lifting for you. You don’t need to be a long-term care expert—just identify the need, and we'll work together to find the best solution for your clients! #buiusa #lifeinsurance #lifeinsuranceagent #insuranceagent #wealthmanagement, #wealthmanager #estateplanning #estateplanningattorney #cfp #ltc #awarenessmonth #familyprotection

November is Long-Term Care Awareness Month! Throughout this month, we'll be sharing valuable insights, key statistics, and expert advice to help you guide individuals and families in making informed decisions about long-term care. Stay tuned for resources that empower conversations and provide peace of mind. #buiusa #lifeinsurance #lifeinsuranceagent #insuranceagent #wealthmanagement, #wealthmanager #estateplanning #estateplanningattorney #cfp #LTCawareness

As the client’s trusted advisor, it is important to regularly review the performance of their permanent life insurance policies, even if you weren’t the writing agent. Many permanent policies are reliant on hypothetical rates (dividends, interest rates, subaccount returns, etc.) to meet original expectations. To avoid unpleasant surprises and to ensure the policy will be there when the family needs it, reviews are vitally important. #buiusa #lifeinsurance #lifeinsuranceagent #insuranceagent #wealthmanagement, #wealthmanager #estateplanning #estateplanningattorney #cfp

At BUI, we partner with both mutual and stock insurance carriers, giving you a broad range of solutions to fit your clients' unique needs. This diverse portfolio empowers you to provide recommendations that truly align with their goals. #buiusa #lifeinsurance #lifeinsuranceagent #insuranceagent #wealthmanagement, #wealthmanager #estateplanning #estateplanningattorney #cfp #financialplanning