Nothing says, “I love you” like cash

by Roberta Ness

A Guide to Long-Term Care, Life Insurance, and the Feast of Love You Leave Behind

Let me give you a two generational hug. Today I’m channeling grandma who was full of thoughtful musings. She loved to say “JIC” short for “Just in Case”. One of the things she was big on was life insurance, which she said, “is like a feast you give your loved ones JIC they need help after you die or to cover financial surprises at the end of your life.” Consider life insurance to be like one of grandma’s amazing Thanksgiving dinners. Remember how she made roasted sweet potatoes, mashed sweets with marshmallows, mashed white potatoes, and baked whites since we all favored different recipes? Just like there are many flavors of potato dishes, there are many types of life insurance.

End-of-life: Long-Term Care Insurance: An ounce of prevention

While caring for David during the five years of dementia that preceded his death, we often wished he had long-term care insurance (LTCI). You can think of LTCI as pre-paying for the elegant breakfast buffet – you might prefer to spend the cash on more immediate gratifications. But when you encounter that scrumptious brunch at the end of the wait, you’re grateful you’ve paid since ordering ala carte would cost you a fortune…