Buddy Study Podcast

BuddyIns

Buddy Study Podcast is a weekly study group style podcast for insurance professionals and financial planners focused on Long-Term Care Insurance (LTCi) for both individual and group benefits. Each episode is designed to help advisors better understand the complexities of LTC planning, stay current on products, and improve their sales and advisory process. Whether you’re new to LTCi or a seasoned specialist, Buddy Study Podcast delivers practical insights you can apply immediately. What you’ll hear on the show: Deep-dives into individual and group LTCi sales strategiesCase studies and real-world planning scenariosConversations with top LTCi specialists and industry leadersProduct and underwriting updates directly from insurance carriersBest practices to help you become more efficient, confident, and informed when advising clients The podcast is an extension of the popular Buddy Study Groups, a free, community-driven educational experience open to all financial professionals. 🗓 Weekly Study Group Schedule Individual LTCi Study Group: Tuesdays at 1 PM PT - https://www.addevent.com/event/Il19620844Group LTCi Study Group: Thursdays at 1 PM PT - https://www.addevent.com/event/vs19612672 There is no membership fee to participate. Our goal is simple: help insurance professionals better serve their clients by mastering long-term care planning. If you work with individuals, employers, or associations and want to stay up to date in the LTCi and group benefits space this podcast is for you.

  1. Sep 23

    Securian Carrier Call

    A fully guaranteed hybrid LTCi product with a true cash indemnity benefit can simplify the claim conversation for your clients. Get a practical overview of Securian's SecureCare 4 and where it fits in long-term care planning. In this carrier session of the Buddy Study Podcast, Tim Goh, SecureCare Regional Vice President at Securian, walks financial advisors and insurance professionals through the SecureCare 4 design, its recent enhancements, and the underwriting process. The conversation covers where the product shows most competitively, how it supports business owner planning, and practical steps that help advisors move cases forward with fewer delays. Tim also highlights the advisor resources Securian provides, including its illustration software and presentations built for affluent self-funders, business owners, and charitably minded clients. We explore: How the SecureCare cash indemnity benefit works, from claim requirements to care concierge supportGuaranteed premiums, return of premium, reduced paid-up options, and paying a policy up earlyRecent SecureCare 4 enhancements, including a retroactive elimination period benefit, a new 20 pay option, and a 100% international benefitWhere SecureCare 4 is most competitive by age band and payment schedule in single life, non-qualified casesHow separating the life and long-term care portions of the premium supports business owner and tax deductibility conversationsUnderwriting best practices, including prescreen IDs, phone interview preparation, and cover letters for nuanced answersWhat Securian is considering for SecureCare 5 and a qualified solution in 2027This episode is designed to help advisors: Position SecureCare 4 clearly within LTC planning and client conversationsIntroduce long-term care planning into business owner and key employee discussionsPrepare clients for underwriting and reduce avoidable delaysUse carrier tools, illustrations, and presentations to support better planning outcomesCHAPTER MARKERS 0:00 Welcome & Episode Overview 1:01 The SecureCare Lineup: SecureCare 4 and SecureCare UL 3:09 How the Cash Indemnity Benefit Works 5:23 Death Benefit, Return of Premium, and Reduced Paid-Up 7:29 SecureCare 4 Enhancements and International Benefit 12:35 Target Ages and Care Concierge Claim Support 16:43 Business Owner Planning and Tax Deductibility 20:15 Guaranteed Premiums and Early Pay-Up Options 24:02 Value-Add Advisor Presentations and Prospect Profiles 32:25 Underwriting, Phone Interviews, and Prescreen IDs 41:50 Advisor Site Resources and Illustration Tips 45:21 Looking Ahead: SecureCare 5 and 2027 Plans Watch the replay video version: https://youtu.be/hsIxECoBy9c 📅 Join the Weekly Buddy Study Groups This podcast is an extension of the Buddy Study Groups, a free educational community for financial professionals. Weekly Calls: Individual LTCi Study Group: Tuesdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/Il19620844 Group LTCi Study Group: Thursdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/vs19612672 No membership fee. Just education, collaboration, and better planning strategies. 🔎 About Buddy Study Podcast The Buddy Study Podcast helps insurance professionals and financial planners master Long-Term Care Insurance through case studies, expert interviews, and carrier product updates. Our goal is to help advisors become more confident, efficient, and knowledgeable when helping clients plan for long-term care.

  2. Sep 17

    Sweet Spots Seminar

    EPISODE DESCRIPTION Running one quote and calling it the best price sounds efficient until a client fits a niche you never thought to check. Learn how to find the product sweet spots that match long-term care coverage to the client in front of you. Jason Dutra and Marc Glickman walk through the product mechanics where specific carriers quietly outperform the rest of the LTCi market. A sweet spot is simply something one carrier, or a small group of carriers, offers that others do not. Knowing where those live turns a routine quote into a plan the client feels was built for them. We explore: How joint pricing on NGL Essential LTC in California works, including gender-neutral rates and inflation at older ages Third-pool shared care and why it adds benefit dollars rather than just redistributing themWhich carriers offer a spousal discount when only one spouse appliesTrue joint survivorship versus two individual policies with a couples discountIssue age bands at both ends, from traditional coverage down to age 18 to annuity solutions up to age 85Payment mode flexibility, qualified dollars, and limited-duration inflation protectionWhy understanding a carrier's risk appetite makes you a better partner and a stronger advocate in underwritingThis episode is designed to help advisors: Match product mechanics to a specific client goal instead of defaulting to a familiar carrierQuote joint and individual designs side by side before assuming which one winsUse pre-qualification to protect clients when joint pricing is on the tableSpend less time hunting for products and more time listening to clientsCHAPTER MARKERS 0:00 Welcome & Episode Overview 0:46 How Buddy Study Defines a Product Sweet Spot 3:25 Pricing Sweet Spots and NGL's California Joint Rates 8:00 Carrier Risk Appetite and Being a Good Partner 11:37 Third-Pool Shared Care and Spousal Discounts 15:16 Joint Survivorship vs. Two Individual Policies 17:42 Joint Sweet Spots in LTC Annuities 21:33 Gender and Demographic Pricing Advantages 24:13 Issue Age Bands: Youngest and Oldest Clients 30:13 Payment Modes, Qualified Dollars, and 10-Pay 39:08 Inflation Protection and Underwriting Sweet Spots 45:27 Worksite Products, Closing Takeaways, and Q&A 📅 Join the Weekly Buddy Study Groups This podcast is an extension of the Buddy Study Groups, a free educational community for financial professionals. Weekly Calls: Individual LTCi Study Group: Tuesdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/Il19620844 Group LTCi Study Group: Thursdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/vs19612672 No membership fee. Just education, collaboration, and better planning strategies. 🔎 About Buddy Study Podcast The Buddy Study Podcast helps insurance professionals and financial planners master Long-Term Care Insurance through case studies, expert interviews, and carrier product updates. Our goal is to help advisors become more confident, efficient, and knowledgeable when helping clients plan for long-term care.

  3. Sep 9

    Estate Planning for Childfree Clients

    EPISODE DESCRIPTION Roughly one in four adults today has no children, and for long-term care insurance advisors, that demographic represents a widening gap in traditional estate planning. Learn how a purpose-built fiduciary structure helps childfree and childless clients answer a question their legal documents alone can't: who steps in when there's no next of kin to rely on. In this episode of the Buddy Study Podcast, Scott Barnes, senior advisor to Childfree Trust and director of financial planning at its sister company, Childfree Wealth, joins the show to unpack what he calls the fiduciary void. For the growing share of adults who are childfree by choice or childless by circumstance, naming a medical proxy, financial power of attorney, executor, and trustee often means scattering these roles among friends, siblings, or aging parents who aren't equipped to carry them out. We explore: The distinction between childfree by choice and childless by circumstance, and why advisors shouldn't assume which applies to a clientThe fiduciary void: who serves as medical POA, financial POA, executor, and trustee when there's no natural next of kinWhy most trust companies stop short of offering medical power of attorney, and how a handful of states fill that gapHow estate planning for childfree clients shifts from leaving a legacy to emergency and contingency planningWhat a childfree-focused trust and care-plan service provides, from legal documents to pet trusts and 24/7 emergency responseWhy long-term care insurance often matters more than life insurance for childfree clients, and how it fits into a broader care planPricing, service guarantees, and how advisors can keep managing client assets under a directed trust structureThis episode is designed to help advisors: Recognize when a client's family structure calls for a different estate planning conversationAsk sharper questions about who a client has, or hasn't, named as POA, executor, and trusteePosition long-term care insurance as part of a complete contingency plan for childfree and childless clientsKnow when a specialized resource like Childfree Trust can fill gaps traditional estate planning leaves open📅 Join the Weekly Buddy Study Groups This podcast is an extension of the Buddy Study Groups, a free educational community for financial professionals. Weekly Calls: Individual LTCi Study Group: Tuesdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/Il19620844 Group LTCi Study Group: Thursdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/vs19612672 No membership fee. Just education, collaboration, and better planning strategies. 🔎 About Buddy Study Podcast The Buddy Study Podcast helps insurance professionals and financial planners master Long-Term Care Insurance through case studies, expert interviews, and carrier product updates. Our goal is to help advisors become more confident, efficient, and knowledgeable when helping clients plan for long-term care.

  4. Aug 26

    Thrivent LTC - Anita Svoboda

    Knowing a carrier's brochure is not the same as knowing where its product actually wins. Learn how Thrivent's traditional long-term care offering is built, and where it fits in your LTCi planning conversations. In this carrier session of the Buddy Study Podcast, Anita Svoboda of Thrivent walks financial advisors and insurance professionals through a full product overview of Thrivent's traditional long-term care insurance, including the structural details that rarely make it into a one-page summary. She covers the company's fraternal structure, its LTC history dating back to 1987, and the 2016 product series still being sold today. This is a working product education session, built for advisors who want to know exactly how the mechanics function before they quote a case. We explore: How Thrivent's elimination period credits one day of service as seven daysThe flexible increased benefit rider and why clients control when they exercise itThe cash benefit rider, its separate pool, and how it pays alongside reimbursementDiscount structures for couples, domestic partners, and long-term cohabitantsShared care mechanics, including what happens when one spouse exhausts both poolsRecent claims data, top causes of claim, and the most common reasons claims are deniedWhere underwriting has loosened and where postponements still applyThis episode is designed to help advisors: Evaluate where a traditional LTCi product fits alongside hybrid alternativesExplain rider mechanics to clients with precision rather than generalitiesAnticipate underwriting outcomes before submitting an applicationQuote with a clearer sense of state-by-state competitivenessFor advisors building out their traditional long-term care insurance bench, this session offers the level of product detail that supports confident client conversations and cleaner case placement. Chapter Markers 0:00 Welcome & Episode Overview 0:44 Meet Anita Svoboda and the Newman Long-Term Care Connection 4:13 Who Thrivent Is: Fraternal Roots, Ratings, and LTC History 10:25 Coverage, State Availability, and Product at a Glance 14:20 Built-In Benefits: Waiver, Care Coordination, Alternative Care 18:25 Discounts and Rating Classes 21:30 The Flexible Increased Benefit Rider Explained 27:14 The Cash Benefit Rider and Its Separate Pool 29:59 Shared Care, Non-Forfeiture, and Return of Premium 33:47 Claims Data and Top Reasons Claims Are Denied 36:53 Underwriting Update: Diabetes, Cardiac, and Postponements 40:49 Care Forward, Quoting Tools, and Closing Takeaways 📅 Join the Weekly Buddy Study Groups This podcast is an extension of the Buddy Study Groups, a free educational community for financial professionals. Weekly Calls: Individual LTCi Study Group: Tuesdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/Il19620844 Group LTCi Study Group: Thursdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/vs19612672 No membership fee. Just education, collaboration, and better planning strategies. 🔎 About Buddy Study Podcast The Buddy Study Podcast helps insurance professionals and financial planners master Long-Term Care Insurance through case studies, expert interviews, and carrier product updates. Our goal is to help advisors become more confident, efficient, and knowledgeable when helping clients plan for long-term care.

  5. Aug 20

    Building Your Network and Working with Referral Partners

    EPISODE DESCRIPTION A full calendar is what separates a steady practice from a stalled one. Learn how insurance professionals and financial advisors build referral partnerships that bring qualified long-term care prospects to them. There is only so far your own prospecting can take you in LTCi. Referral partners expand your reach, warm up your leads, and put you in front of clients who are already financially qualified. This episode walks through who those partners are, how to find them, and what it actually takes to turn a new relationship into consistent, quality lead flow. We explore: Why financial advisors are the strongest natural pairing for long-term care specialists, in both directionsHow the underwriting gap creates referral opportunities with other insurance professionalsWhere P&C agents, benefits brokers, and reverse mortgage specialists fit into your networkWhat to cover in the game planning call when onboarding a new referral partnerHow a short pre-education video makes the handoff nearly effortless for your partnerWhy training partners on which clients to refer prevents adverse selection in your lead flowHow reporting and a simple intake form keep partners confident instead of feeling left in the darkWhat LinkedIn approach demonstrates about consistent visibility and attracting the right partnersThis episode is designed to help advisors: Identify the professionals already positioned to refer long-term care businessBuild partnerships that send clients in both directions, not just oneWalk into conferences and networking events knowing what to listen forKeep referral partners informed so the relationship keeps producingReferral partnerships are not a marketing tactic bolted onto your practice. They are the structure that lets a specialist stay a specialist while the right clients keep arriving. CHAPTER MARKERS 0:00 Welcome & Episode Overview 0:40 Why Referral Partners Are the Lifeblood of a Practice 3:22 The Underwriting Gap That Creates Referral Opportunity 7:18 Knowing Your Value Before You Network 9:14 Financial Advisors: The Strongest Pairing 13:54 Insurance Agents, P&C, and Benefits Brokers 19:24 Non-Traditional Sources and Working Conferences 22:07 The Game Planning Call and Pre-Education Video 25:04 Training Partners on Which Clients to Refer 28:05 Reporting and Intake Forms That Build Trust 33:46 LinkedIn, Visibility, and Authentic Content 45:48 Final Thoughts & Advisor Takeaways 📅 Join the Weekly Buddy Study Groups This podcast is an extension of the Buddy Study Groups, a free educational community for financial professionals. Weekly Calls: Individual LTCi Study Group: Tuesdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/Il19620844 Group LTCi Study Group: Thursdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/vs19612672 No membership fee. Just education, collaboration, and better planning strategies. 🔎 About Buddy Study Podcast The Buddy Study Podcast helps insurance professionals and financial planners master Long-Term Care Insurance through case studies, expert interviews, and carrier product updates. Our goal is to help advisors become more confident, efficient, and knowledgeable when helping clients plan for long-term care.

  6. Aug 5

    Cross-Sell Opportunities for LTC Clients

    EPISODE DESCRIPTION Cross-selling sounds like something only multi-line producers do, until you look at how much a long-term care fact-find already tells you about a client. Learn how LTCi specialists can turn the work they are already doing into new conversations, stronger referral partnerships, and a fuller calendar. Long-term care specialists gather more information than almost anyone else in insurance: health history, financials, family dynamics, care preferences, and timing. In this episode of the Buddy Study Podcast, we look at why that depth of fact-finding puts LTCi specialists in a uniquely strong position to spot complementary needs, and how to raise those needs without turning a planning conversation into a product pitch. The goal is not to become a generalist. It is to know enough to serve the client well and to have somewhere reliable to send them. We explore: Why long-term care is one of the hardest needs to establish, and what that means for sequencingMedicare as the most common pairing for LTCi specialists, and where coverage gaps open the LTC conversationDisability insurance and LTCi as complementary coverage, including how one claim can affect bothCritical illness, accident, and hospital indemnity plans as gap fillers during the elimination periodWhy group LTCi is complementary rather than competitive, and how a group policyholder arrives pre-educatedInflation protection limits on group plans, and where the individual market rounds out a planReverse mortgages as an alternative funding source, and why an expert partner mattersThis episode is designed to help advisors: Recognize cross-sell openings inside the fact-finding they already completeTime and sequence conversations so clients stay focused on the highest need firstBuild reciprocal referral partnerships with specialists in other product linesExpand their business without taking on product lines they do not want to learnCHAPTER MARKERS 0:00 Welcome & Episode Overview  2:12 Why LTC Specialists Are Built for Cross-Selling  5:23 Medicare: The Most Natural Pairing  10:50 Disability Insurance and LTCi as Sister Products  14:44 Critical Illness and the Elimination Period Gap  19:15 Becoming a Lead Source for Referral Partners  27:02 Group LTCi as a Complementary Opportunity  31:33 Inflation Protection Gaps in Group Plans  35:20 Sequencing and Timing the Cross-Sell  38:26 Accident and Hospital Indemnity as Entry Points  42:45 Reverse Mortgages as an LTC Funding Source  46:12 Networking Scripts & Advisor Takeaways 📅 Join the Weekly Buddy Study Groups This podcast is an extension of the Buddy Study Groups, a free educational community for financial professionals. Weekly Calls: Individual LTCi Study Group: Tuesdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/Il19620844 Group LTCi Study Group: Thursdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/vs19612672 No membership fee. Just education, collaboration, and better planning strategies. 🔎 About Buddy Study Podcast The Buddy Study Podcast helps insurance professionals and financial planners master Long-Term Care Insurance through case studies, expert interviews, and carrier product updates. Our goal is to help advisors become more confident, efficient, and knowledgeable when helping clients plan for long-term care.

  7. Jul 29

    Individual LTCi Mini Market Review: Q3 2026

    Reading a carrier announcement is not the same as knowing the product. This mid-year LTCi market review revisits what actually changed in 2026, and what those changes mean for your next case. Much of the year's product news landed in a compressed window early in Q1, which means a lot of advisors caught the headlines and never circled back. In this episode of the Buddy Study Podcast, we walk through the year's notable launches, repricings, and underwriting updates across traditional long-term care insurance, hybrid life plans, annuity-based LTC solutions, and short-term care, with practical commentary on where each one now fits in a planning conversation. We explore: How a new policy generation reshaped benefit design, from age basis to monthly benefit structures and elimination period credit, and which features were traded away in the repricingUnderwriting movement on family history, cognitive testing, and conditions that were previously auto-declinedWhy a plan that does not compare cleanly on a spreadsheet can be harder to sell, even when the product itself is strongA new annuity-based LTC entrant, including underwriting classes, benefit multipliers, and what a high approval target signals about plan designHow short-term care benefit ceilings, riders, and add-in benefits are narrowing the gap with traditional LTCA hybrid refresh that added benefits without a rate increase, and what expanded payment flexibility opens up for younger buyersGuaranteed issue annuity LTC updates, including a lower minimum issue age and a higher guaranteed roll-upThis episode is designed to help advisors: Refresh their working knowledge of the current individual LTCi landscapeMatch newer solutions to clients who did not fit a year agoUnderstand how underwriting shifts open up specific case typesSpot in-force and follow-up sales opportunities created by product changesCHAPTER MARKERS 0:00 Welcome & Episode Overview 2:18 Traditional LTCi: A New Generation of Benefit Design 8:01 Underwriting Updates on the Traditional Side 11:41 Why Plan Design Affects Spreadsheet Comparisons 14:19 A New Annuity-Based LTC Solution 15:55 Underwriting Classes, Multipliers, and Claim Design 20:06 Field Notes on Exchanges and Follow-Up Offers 24:48 The Six Underwriting Questions, Walked Through 27:18 Short-Term Care Raises the Benefit Ceiling 34:48 A Hybrid Refresh With No Rate Increase 41:02 Guaranteed Issue Annuity Updates 44:56 Closing Thoughts and Advisor Takeaways 📅 Join the Weekly Buddy Study Groups This podcast is an extension of the Buddy Study Groups, a free educational community for financial professionals. Weekly Calls: Individual LTCi Study Group: Tuesdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/Il19620844 Group LTCi Study Group: Thursdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/vs19612672 No membership fee. Just education, collaboration, and better planning strategies. 🔎 About Buddy Study Podcast The Buddy Study Podcast helps insurance professionals and financial planners master Long-Term Care Insurance through case studies, expert interviews, and carrier product updates. Our goal is to help advisors become more confident, efficient, and knowledgeable when helping clients plan for long-term care.

  8. Jul 10

    LTC Prospect Education 101

    EPISODE DESCRIPTION Assuming a prospect already understands long-term care sounds harmless until it costs you the sale. Learn how experienced LTCi producers structure prospect education so no client gets left behind. In this episode of the Buddy Study Podcast, we break down how to build a long-term care education process that works whether your prospect is hearing about LTC for the first time or has already done their own research. From framing a holistic four-pillar planning conversation to reading whether a prospect is analytical or emotional, this session covers the foundational habits that keep advisors from skipping steps their prospects still need. We explore: Why LTC education should never assume prior knowledge, no matter how confident the audience seemsThe four pillars of a holistic long-term care plan: family, self-funding, insurance, and governmentHow to reframe "I'll self-fund" as part of a plan rather than an objection to overcomeWhy showing prospects the full menu of funding solutions builds trust and prevents missed salesHow to read analytical versus emotional clients and adjust the conversation accordinglyUsing pricing tools to make cost conversations approachable instead of intimidatingWhy coaching clients to buy coverage they can keep matters more than maximizing benefit amountsThis episode is designed to help advisors: Build a repeatable, foundational education process for prospects at any experience levelHandle the self-funding objection with confidence, without invalidating the client's instinctTailor presentations to different client communication stylesUse available tools to make long-term care coverage feel accessible from the first conversationCHAPTER MARKERS 0:00 Welcome & Episode Overview  4:06 The Four Pillars of a Holistic LTC Plan  11:07 Family, Insurance, and the Elimination Period Gap  14:11 Reframing the "I'll Self-Fund" Objection  17:55 Why Showing Multiple Funding Solutions Matters  21:05 Explaining Life Hybrid Plans on Group Webinars  28:19 Reading Analytical vs. Emotional Clients  32:39 Why Prospects Don't Care How Much You Know  35:28 New Marketing Portal Filtering and Resources  41:17 Cost-of-Care Stats and Planning Guide Resources  46:27 Using the Quick Quote Calculator With Prospects  48:52 Buy What You Can Keep & Wrap-Up 📅 Join the Weekly Buddy Study Groups This podcast is an extension of the Buddy Study Groups, a free educational community for financial professionals. Weekly Calls: Individual LTCi Study Group: Tuesdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/Il19620844 Group LTCi Study Group: Thursdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/vs19612672 No membership fee. Just education, collaboration, and better planning strategies. 🔎 About Buddy Study Podcast The Buddy Study Podcast helps insurance professionals and financial planners master Long-Term Care Insurance through case studies, expert interviews, and carrier product updates. Our goal is to help advisors become more confident, efficient, and knowledgeable when helping clients plan for long-term care.

About

Buddy Study Podcast is a weekly study group style podcast for insurance professionals and financial planners focused on Long-Term Care Insurance (LTCi) for both individual and group benefits. Each episode is designed to help advisors better understand the complexities of LTC planning, stay current on products, and improve their sales and advisory process. Whether you’re new to LTCi or a seasoned specialist, Buddy Study Podcast delivers practical insights you can apply immediately. What you’ll hear on the show: Deep-dives into individual and group LTCi sales strategiesCase studies and real-world planning scenariosConversations with top LTCi specialists and industry leadersProduct and underwriting updates directly from insurance carriersBest practices to help you become more efficient, confident, and informed when advising clients The podcast is an extension of the popular Buddy Study Groups, a free, community-driven educational experience open to all financial professionals. 🗓 Weekly Study Group Schedule Individual LTCi Study Group: Tuesdays at 1 PM PT - https://www.addevent.com/event/Il19620844Group LTCi Study Group: Thursdays at 1 PM PT - https://www.addevent.com/event/vs19612672 There is no membership fee to participate. Our goal is simple: help insurance professionals better serve their clients by mastering long-term care planning. If you work with individuals, employers, or associations and want to stay up to date in the LTCi and group benefits space this podcast is for you.