What Your Advisor Should Tell You About Long-Term Care Insurance

Lucas and Luna walk through the real numbers behind long-term care insurance: the median nursing home cost of $108,405 per year in 2026, the 70% chance that a 65-year-old will need some form of care, and the key question of whether buying a policy at 55 makes more sense than self-funding. They look at a case study of a couple with $1.5 million in investable assets, break down the premium sticker shock of $4,500 per year per person, and explain why financial advisors often avoid the topic entirely. Luna pushes back on the 'just buy a policy' advice, and Lucas digs into the trade-offs between traditional policies, hybrid life-insurance-plus-LTC riders, and self-insuring with a dedicated bucket. They also touch on the Inflation Protection Rider and why the 3% compound rider can double the daily benefit over 25 years. A specific, numbers-driven look at one of the most avoided conversations in financial planning. #LongTermCareInsurance #FinancialAdvisor #RetirementPlanning #ElderCare #HealthCareCosts #Insurance #PersonalFinance #NursingHome #Medicaid #LTC #FinancialPlanning #CFP #AdvisorAdvice #InflationRider #HybridPolicy #SelfFunding #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo