Julianne Moore Wins the Oscar for Best Actress for her performance in Still Alice!

Julianne Moore gives us a disturbingly beautiful performance as she portrays a college professor diagnosed with early onset Alzheimer’s Disease. This is real life for so many people whose parents have been diagnosed with this dreadful disease. We are being told that 1 in 12 people over 65 will be diagnosed with Alzheimer’s Disease and 1 in 3 people will be diagnosed with Alzheimer’s by the age of 85. This is truly a frightening thought and life changing for an entire population of younger people who will need to care for their parents.
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What If I Never Need Long Term Care?

Last week, one of my clients was concerned that if he didn’t need long term care, he would lose all the premiums he spent. So we added a very interesting rider known as Return of Premium Rider (ROP). An ROP rider gives back all the premiums spent (minus any claims) if the client dies before using any or all of their benefits. I love this rider and use it quite often. It is not expensive and protects the premium dollars spent over the years prior to needing the care. It is particularly appealing for clients who truly believe they will never need long term care.
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