“For the family, it is the love letter that someone can leave to another member that protects and benefits them,” says independent agent David Wasson. “It can be useful for everything from final expenses and loan protection to creating an estate.”
Educating consumers about the benefits of an LTC plan—whether that plan is to rely on government-funded care, buy insurance or cover LTC expenses with personal assets—is key.
Nearly half of U.S. homeowners have seen their insurance premiums increase over the past year, signaling growing concerns over insurer loyalty and long-term profitability, according to J.D. Power.
The U.S. property & casualty insurance industry almost tripled underwriting profitability in the first half of 2025 compared to the same period in 2024, but catastrophes continue to drive up homeowners premiums.
A high-net worth customer in Pennsylvania would like to leave a car at his secondary home in Oregon. The car would be available to local family members to use throughout the year.
When there’s no long-term care plan in place, care decisions are made in a crisis. Here are four tips agents can use to help clients integrate LTC into their plans.
Homes at risk during the 2025 wildfire season represent a combined reconstruction cost value of $1.3 trillion.
“The RV insurance market will see more companies offering coverage for a wider variety of products,” says independent agent Heather Gablehouse. “Several personal lines companies we currently represent are already offering to write coverage for at least one type of RV.”
With ongoing wildfires in the West and an above-average Atlantic hurricane season predicted, it’s essential for independent insurance agents to educate clients on how their policies can cover evacuation-related expenses.
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