assisted living

LTC vs. Chronic Illness Riders: What’s the Difference?

Producers and clients alike may feel overwhelmed or confused by the ever-increasing variety of long-term care and chronic illness products and riders available on the market today. The differences between the options can be quite profound. To further compound the confusion, Both long-term care and chronic illness riders have limitations on what is considered covered […]

Closing the Gender Gap: 6 Reasons Women Need Long-Term Care

Long-term care planning is important for everyone, but it is arguably the most important for women. Why? Longevity and caregiving. Statistically, women live longer than men and are more likely to live to a point where such care is required. Women are also most often saddled with the responsibility of providing care to family members. […]

Long-Term Care Isn’t Cheap: How is your client going to pay?

Let’s face it: people are living longer than ever before. This increased life expectancy means that chances are high that many of your clients will be impacted by a chronic illness or an event requiring long-term care. Because of this, you need to prepare them financially. Count on DBS to help you initiate a better […]

It’s Time for “The Talk”

The Importance of Planning for Long-Term Care Medical advancements have made living a long, fulfilling life a near certainty – and planning for that is a necessity. Health-related expenses can increase considerably with age, especially in the face of health problems requiring long-term care. When families don’t sufficiently plan for long-term care, they may find […]