There are variations on Long-Term Care Insurance. The dominant? Life Insurance with living benefits.

Sellers Make Mistakes (Updated)

Here is an excerpt from the last email, now updated since it was sent.

Long-Term Insurance Sellers Were Stuck
Back to this: the curve in the middle was used, but an extreme version of the curve on the right was more appropriate (if at all). No wonder they lost, because the "crowd of lemmings followed one another," and they …