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Funding Long-Term Care with Life Insurance
The long-term care insurance industry is going through substantial changes in contract language, riders and pricing structure. Many carriers have simply exited the marketplace. Thankfully, there are some innovative life insurance contracts that are providing living benefits to fill the void in the long-term care insurance marketplace. This program will discuss the traditional long-term care insurance and living benefits concept as it relates to: coverage; taxes; territorial and use limitations; payable benefits after death of the insured; waiting or elimination periods; underwriting rules; and the general advantages and disadvantages of both.
Jerry E. Rhinehart, CIC, CLU, ChFC, RHU
Rhinehart operates Rhinehart & Associates located in Panama City, Florida, where he works with clients concerning life insurance, long‐term care and annuities. He also serves on the National Faculty of the Society of Certified Insurance Counselors. Since 1986 he has conducted more than 1,500 programs on estate planning, long‐term care, life insurance, annuities, business perpetuation and health insurance topics. He also writes articles for various insurance trade magazines on these topics. Additionally, he serves as an expert witness in legal proceedings regarding life and health insurance matters.
Please park in the fenced parking lot directly behind the building across F Avenue. The main entrance to the building faces the parking lot.