In this episode, Scott A. Olson, CLTC, walks through a real-world long-term care planning case study about John and Mary. The couple is highly successful, nearing retirement with complex health histories and substantial assets. You'll see precisely why a no–lifetime-cap policy made sense for them, how health underwriting affected carrier selection, and how co-insuring fits their overall strategy.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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We continue our 2026 series featuring 26 real client profiles to clear up common misconceptions about long-term care insurance, especially the myth that coverage only lasts a year or two. In this episode, you'll meet Jeff, a 43-year-old business owner who wasn't worried about short-term care costs, but about protecting his family from a truly catastrophic, lifelong care need. Scott walks through how Jeff secured a no-lifetime-cap policy with growing benefits, despite health considerations, and why that solution fit his financial picture and priorities.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

In this episode of Long-Term Care Insurance Now, Scott A. Olson shares a real-life client story that highlights what happens when an application is unexpectedly declined and how expert advocacy can make all the difference. Scott walks through how a simple underwriting mistake was identified, challenged, and ultimately reversed. This case study offers valuable insight into why having an experienced specialist in your corner truly matters.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter