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Today's long-term care policies can be quite comprehensive. If you bought a policy more than five years ago, it is important to know if it's been (or can be) updated; it may even be worth doing some comparison-shopping. While the premiums for a new policy may be more expensive, you don't want to hold on to a policy that is so restrictive that it may never pay off.
Here are some things you need to consider:
Consider these two key points:
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Heartland Bank and Heartland Planning Associates are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Heartland Planning Associates, and may also be employees of Heartland Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Heartland Bank and Heartland Planning Associates. Securities and insurance offered through LPL or its affiliates are:
|Not Insured by FDIC or Any Other
|Not Bank Deposits or
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