Description: For policies with and without the resotoration of benefits feature, compares incurred claims and statutory ALR for various benefit periods.

Description: This article investigates the survivorship benefit (commonly sold to couples), its effects and some of the more common options applied to this benefit.

Description: LTCi rate increases are large and becoming larger. As more and more policyholders cannot afford the cumulative impact, they need some relief - like access to the large contract reserve they have funded for the benefits they can no longer afford.