Long-Term Care insurance typically involves underwriting and a lot of people are declined, which means these people have no choice but to self-insure.
The first Indexed Universal Life (IUL) policy we marketed in the early 2000’s, they were called Equity Indexed Universal Life (EIUL).
Understanding how Medicare works is like grasping how a new iPhone works. Someone who still uses an iPhone 6 is comparable to someone who is on a Medicare plan from 2014.