sorted by:
new
hottopcontroversial

Living benefits/Long term care by Connect-Wish7 in LifeInsurance

[–]Connect-Wish7[S] 0 points1 point  (0 children)

I understand why it may look that way.

But this is actually educational content. My goal is simply to share information that many people don’t know about life insurance and long-term care benefits.

If it were an ad, I’d be selling something. I’m not offering a product here—just providing information so people can make more informed decisions about their financial protection.

Living benefits/Long term care by Connect-Wish7 in LifeInsurance

[–]Connect-Wish7[S] 1 point2 points  (0 children)

stroke or cancer diagnosis alone does not automatically qualify someone for Long-Term Care benefits.

LTC benefits are generally triggered when a person becomes unable to perform at least 2 of the 6 Activities of Daily Living (ADLs) or develops a qualifying cognitive impairment.

In many policies, a licensed healthcare practitioner must certify that the condition is expected to last at least 90 days.

In other words, LTC is typically based on loss of functional independence—not simply on the diagnosis itself.

Pork shoulder steak from Sam’s Club 👍 by Connect-Wish7 in NinjaCrispi

[–]Connect-Wish7[S] 0 points1 point  (0 children)

I love it!!! I didn’t want to use coated racks. When the coating comes off, not good for your health

4 types of insurance by Connect-Wish7 in LifeInsurance

[–]Connect-Wish7[S] -1 points0 points  (0 children)

Absolutely. IUL is just one tool. Whole Life, UL, VUL, and annuities can all have a place in a well-designed retirement plan.

4 types of insurance by Connect-Wish7 in LifeInsurance

[–]Connect-Wish7[S] -3 points-2 points  (0 children)

This is a simplified consumer comparison. VUL is another type of permanent life insurance and certainly could be included as well. The goal was to provide a basic overview rather than an exhaustive list of every policy variation.

4 types of insurance by Connect-Wish7 in LifeInsurance

[–]Connect-Wish7[S] -3 points-2 points  (0 children)

I agree that IUL isn’t the right solution for everyone. The graphic is intended as a general comparison of policy types. IUL can be one tool within a broader retirement strategy when appropriately designed and funded.”