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For high-net-worth clients who balk at buying a stand-alone long-term care policy, consider life insurance with a long-term care rider. New policies offer options that are flexible enough to accommodate a number of different death benefits and care options for a single premium.
If you have clients age 65 and over who own life insurance they no longer need, consider whether it would make sense to sell the policies and put the funds to better use.
A decade ago, con men and widespread fraud gave viaticals a bad reputation—but since then, many states have taken steps to regulate the industry. Here's what you need to know if an ailing client wants to sell his life insurance policy for quick cash.
If you have clients who are senior citizens, you might want to make them aware that the sale of an unneeded life insurance policy might be a practical way to re-allocate assets and tap into a new source of funds.
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