How Long-Term Care Insurance Works in 2026

Lucas and Luna break down long-term care insurance in 2026: why it's not just 'for old people,' how the hybrid policies have evolved, and what a typical benefit pool looks like. They walk through a real example from New York Life's 2025 policy data, showing how a 55-year-old couple might pay $3,800 per year for a $330,000 benefit pool. They also explain the difference between traditional and hybrid policies, the impact of rising care costs, and why waiting until 65 could triple your premium. A practical look at a complex product. #LongTermCareInsurance #LTCI #HybridPolicies #NewYorkLife #CareCosts #RetirementPlanning #HealthInsurance #Finance #InsuranceConversations #FexingoBusiness #BusinessPodcast #FinancialPlanning #Aging #Medicaid #AssetProtection #Premiums #BenefitPool #2026 Keep every episode free: buymeacoffee.com/fexingo