Most people who buy LTC insurance are not aware about future premium increases. LTC insurance premiums are not guaranteed and may increase with permission from state departments of insurance. The obvious question is have they and

Who Really is the Financial Advisor? - by Bill Broich
Articles discusses insurance brokers, agents and fees. Most advisors are really just salespersons. Sometimes it's hard to tell, given all the titles used by brokers: financial adviser, financial consultant and financial planner, to name just a few.