Insurance & Legacy Planning — LTC Insurance Wins the Market Volatility Test

New analysis published this month confirms something retirement planners have long advocated: long-term care insurance provides more reliable financial protection than self-funded care — particularly in volatile markets.

The logic is straightforward. If a client experiences a significant market downturn in the years leading up to needing care, a self-funded strategy is undermined at exactly the wrong moment. LTC insurance premiums are fixed, and benefits pay out regardless of what the stock market is doing.

Forbes' 2026 rankings of top long-term care insurance carriers highlight New York Life, Mutual of Omaha, and Bankers Life as leading options. Burial and final expense insurance options are also broader than many clients realize, offering peace of mind for legacy planning at reasonable costs.