Despite its ability to protect employees’ livelihood and provide a substantial tax deduction to companies, long-term care insurance is the most overlooked benefit product on the market. Long-term care is a niche product which few consultants offer, which creates a blind spot that leaves Americans open to huge financial and medical risks.

Long-term care insurance is the most effective solution to fill the gaps in most retirement plans, as well as protect young Americans’ future lifestyles against financial strain. It’s also an accessible option, as smart employers can offer it at no cost as a benefit to their employees and healthy individuals can qualify independently at a low cost.

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