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Planning for Longevity is Smart, But Some Financial Advisors Say "No"?



More families than ever before have been affected by long-term health care. More focus has been placed on this issue because of the COVID-19 virus crisis. However, this is not a new problem. The advances in medical science bring longevity. With longevity comes the costs and burdens of aging. These health issues can be from illnesses, accidents, or just the impact of aging.

Caregiving is always hard on family members. The role of the caregiver is physically and emotionally demanding. You really can’t depend on a spouse since if you are older, so is your spouse. Adult children will have their own careers, families, and responsibilities. A recent poll by the Associated Press-NORC Center for Public Affairs Research says many young adults are already providing long-term health care services for older loved ones. It is not easy for them.

The poll indicates one-third of American adults under age 40 have already provided care for older family members. Another third expect to be called upon to do so within the next five years.

The risk of needing long-term health care is high and increases as you get older. Once you get past age 40 you will notice changes in your health. You see changes in your body. As you get even older you see decline in your memory.

What this means is the chance of needing extended health care is less an “if” and more a “when” and “how long.”

The fact is the risk of needing extended health care is simple: it will either happen, or it won’t.

When you do need long-term care, someone will be responsible for finding a family member to provide care or purchasing care, either at home or in a facility. The clear majority of long-term care services are custodial in nature. Custodial care is when you need help with normal activities of daily living or require supervision due to a cognitive problem like Alzheimer’s or another type of dementia.

Health insurance or, when you are 65, Medicare and your Medicare Supplement will pay for only 100 days of skilled care services. Long-term care is both a cash flow problem and a family problem.

Yet, some financial planners and insurance agents would rather you not explore Long-Term Care Insurance. Many don’t understand the product, underwriting, policy design, and the power of the LTC Insurance Partnership Program, which is available in 45 states.

Why? There are several reasons. Some are just ignorant of the facts. However, most of them are very aware of the impact of the financial costs and burdens of aging. So why not Long-Term Care Insurance?

There is a huge misperception of the cost of policies. You may have even read some of the articles. They point to high premiums or premium increases over the time.

The fact is premiums are very affordable for most people. Sure, if you are 75 when you get a policy, the premium will be based on that age and your health at age 75. However, people are adding LTC Insurance to their retirement plan prior to retirement, with the bulk being in their 50s. Most of my clients are age 45 to 67. At these ages, premiums are very affordable, especially if you are in good health and your policy is properly designed.

Premiums can vary over 100% between insurance companies for the same level of coverage.

Policy design is critical. Most claims are for in-home care, which usually costs less than a skilled nursing home. Policies pay for quality care in the setting you desire. There are several settings for long-term care services, including at-home, adult day care, assisted living, memory care, and a traditional nursing home.

The American Association for Long-Term Care Insurance says most claims are for services at home. The major companies, in 2020, paid over $11.6 Billion in benefits to American families. The policies work and work very well. They give families choice and reduce the tremendous burdens placed on loved ones.

Partnership LTC policies provide additional dollar-for-dollar asset protection. With a Partnership LTC policy, you can buy just enough long-term care benefits to safeguard your assets without having to over-purchase and spend too much.

Some insurance agents and financial planners may want you to purchase expensive life insurance policies instead – or even worse – do nothing and self-insure.

Self-funding is not the best way to address the future costs and burdens of aging.

There are a handful of outstanding “hybrid” policies available. These are life insurance policies or annuities specifically designed for long-term care. For some people this could be the best solution. But usually, a general insurance agent or financial planner is not the person to speak to about these options.

You need an experienced LTC Insurance specialist. There are a handful of specialists nationwide. These are people, like myself, who represent all the major companies, understand policy design and underwriting, know the power of the partnership program, and have processed claims, so they know how policies actually get used.

In my case, I have thousands of clients nationwide in the 21 years I have been helping people plan for aging. Remember, premiums are based on your age and health at the time of application, as well as the amount of benefits you wish to have. These policies are custom designed, which is why you need a specialist who works with all the major companies to help you find appropriate coverage.

So how about premium increases. Yes, it is true older policies sold decades ago have had premium increases. These “legacy” policies were priced and marketed prior to rate stabilization rules that are now in place in most states.

Today’s LTC Insurance policies have underwriting that is much more scientific and conservative than ever before. Premiums now consider low-interest rates, low lapse rates, and actual claims experience as well. According to the Society of Actuaries, today’s Long-Term Care Insurance plans have a much smaller chance for premium increases in the future.

Regardless of those facts, it is not easy for insurance companies to raise rates on the products being sold today. This should give consumers a lot of peace-of-mind as they plan a way to safeguard savings and reduce the burdens extended care placed on their loved ones.

Perhaps the biggest difference between a specialist in long-term care and a financial planner or general insurance agent is that they look at Long-Term Care Insurance as only a financial decision. Yes, money is important. However, a Long-Term Care specialist knows this is all about family, your family.

Yes, long-term care is a cash flow problem. However, the consequences of long-term care affect your family as well.

Without a plan that addresses your future longevity, your family will be responsible for everything. The first thing the adult children of my clients tell me at the time of claim is that their Mom or Dad’s policy gave them the time to be family. They are always grateful for the help which allowed them to be loving and supportive. This way, they can spend quality time with Mom or Dad and not worry about where the money is coming from or, worse, having to provide the care themselves.

Working with a specialist will allow you to get the accurate information you seek. There are several reference websites for research:

LTC News offers articles and resources:

US Department of Health and Human Services:

Long-term care will impact you, your family, your savings, and your lifestyle. LTC Insurance is Easy and Affordable Asset Protection. These plans not only protect your savings but reduce the burdens placed on family members. Allow your financial planner to deal with your mutual fund, stocks, and bonds. That is their expertise. Allow a general insurance agent to get you the best deal on your home and auto insurance. But for long-term care, seek the help of an expert. Act before you retire to take advantage of lower premiums and your overall better health.

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A Patient Guide To Get Medical Marijuana in Oklahoma



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How To Get Medical Marijuana in Oklahoma

 Even though medical marijuana is legal in many states, there are set laws on how to obtain it legally. Read along to learn how to get medical marijuana in Oklahoma.

On May 18, 2021, the Gov. of Oklahoma, Kevin Stitt, House Bill 2272 into law. The law changed a few things in the medical marijuana sector in Oklahoma. The changes that took effect were meant to address the following concerns in the medical cannabis sector:

  • How foreigners should operate cannabis businesses in Oklahoma. 
  • How the Oklahoma Medical Marijuana Authority (OMMA) should conduct compliance checks online 
  • Inspections to confirm if the licenses were operating actively or not

Since these changes are meant to remove a couple of bad actors in the Oklahoma medical marijuana sector, it is clear that the Oklahoma medical sector is taking the right path. The law was also put in place to ensure that all competitors get a fair deal regardless of where they came from. 

The Previous Version of the Act 

An earlier version of the law that the House passed in March. Looking carefully at how it was drafted, it was pretty different from the final version. The artificial caps in the law were more stringent as an oversight, and the number of business licenses was limited. The final version was meant to scrutinize the licenses issued by OMMA and how they were all maintained. Limits are now put in place to control the oversaturated market. That said, let’s look at what a patient needs to do to obtain medical marijuana in Oklahoma. 

How to Get Medical Marijuana in Oklahoma 

The procedure of acquiring medical marijuana in Oklahoma is almost the same in other states in America that have legalized medical marijuana. 

  • Get recommended by a licensed practicing doctor

The first thing you need to do as a patient seeking to get medical marijuana is looking for a physician in the state of Oklahoma who advocates for medical marijuana. The doctors need to confirm that you are suffering from any of the qualifying medical conditions. To do this, you need to present your medical history and other medical information that the doctor may need to recommend to you. 

Once the doctor has confirmed that you are suffering from any qualifying medical conditions, they will have to present the document himself in the Department of Health together with the patient’s filled out forms. The patient is not allowed to present the recommendation to the DOH. 

  • Application of the Medical Marijuana Card 

The second step in obtaining a medical marijuana card is sending an application to the State Department of Health. Once they have received your application, they will have to review it for a couple of days. After a few days, you will get feedback on whether they accepted or denied your application. If the application is accepted, you will be issued a medical marijuana card. 

Learning how to get medical marijuana in Oklahoma offers you a legal way to acquire cannabis. You can do this by providing copies of a state-issued identification card. You also need to present several documents that prove that you are a resident of Oklahoma. Once you are approved and have gotten the medical marijuana card, you can start going to medical marijuana dispensaries to purchase medical cannabis. 


Getting a medical marijuana card in Oklahoma is as easy as that, and you don’t need to struggle so much. Remember that medical marijuana is legal in many states; you need to follow due process. You don’t need to suffer in silence while you can get medical cannabis to relieve the pain that comes with these dilapidating medical conditions. 

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What is the Best Air Purifier for Cough Symptoms?



Best Air Purifier
Best Air Purifiers

The rapid industrial growth brought many conveniences to our urban lives. But, along with those comforts, it also brought morbid health issues. The primary and most persistent problem in our modern lives is the problem of air pollution. Air contaminants and allergens are the main reason for our allergy, which causes cough problems in an allergic individual. If you live in an urban environment where you get surrounded by allergens, viruses and other pathogens, the chances are that you may be looking for the best air purifier to get help with your cough. Coughing can severely slow down you and your kids and hinder productivity. We will provide you with some best air purifier models and tips to choose a Daikin air purifier yourself. 

How do Air Purifiers Help with Coughs?

If you are coughing uncontrollably, you must look for the best air purifier because it surely can help you with your cough problem. But the question is how? Air purifiers use a HEPA (High-Efficiency Particulate Absorbing) filter to isolate the contaminants suspended in the air and keep them trapped in the system until you clean and change filters.

What Should You Look for When Buying an Air Purifier?

  • Filters: Filters are the primary organ of any best air purifier. Know which filters are there on your device. Here are some of the generally used filters for you to check:
  1. Pure HEPA filter
  2. Activated Charcoal Filter
  3. UV-C filter
  4. Pre-filter and
  5. Ozone free Ionizer 
  • Warranty period: Most air purifier models come with 1 to 2 years of warranty. Know which parts the company covers in the warranty paper.
  • Easy set-up: Modern air purifier models are mostly touch-controlled and have a simple button layout. Avoid any complications in the set-up, and filter changing process.
  • Room size: Check the rated size for an air purifier to know if it suits your room size.

What is the Number One Air Purifier?

These brands produce one of the top-selling air purifier models available in the Indian market.

  1. Daikin
  2. LG
  3. Eureka Forbes
  4. Panasonic
  5. Phillips
  6. BlueStar

Among them, Daikin is making one of the most affordable air purifiers.

Top Three Best Air Purifier Models are – 

  1. Daikin MC55XVM6 Air Purifier:
  • Streamer Discharge: This Daikin air purifier, besides the HEPA filter, uses the streamer discharge function to quickly remove odours and allergens with high-speed electrons with the oxidizing property.
  • Turbo mode: The Turbo mode in the Daikin air purifier provides a high-power operation to clean the air fast.
  • Deodorising Filter: Some Daikin air purifier models, including the MC55 model, utilize streamers to decompose the foul odours and assist the filter.


  1. Eureka Forbes 56-watt AeroGuard mist Air Purifier: 
  • HEPA filter: It uses advanced HEPA technology to remove 99% of suspended particles of 0.3 microns. 
  • UV Lamp: A UV lamp helps reduce volatile organic compounds, parasites and mites in the indoor air.
  • 10X filter technology: It uses the Active 10X filter technology to purify the air in your house and eliminate dust, dander and germs.
  1. Daikin MC40XVM6 Air Purifier:
  • Electrostatic HEPA filter: This Daikin air purifier has a high-performance filter that catches 99.97% of 0.3μm* fine particles.
  • Anti-pollen mode: When you switch between “standard” and “low” modes in this Daikin air purifier, it creates a gentle whirlwind to catch suspended pollen in the air.
  • Deodorising Filter: Odours are caught on this Daikin air purifier using the deodorizing filter. 

Shop from the Bajaj Finserv EMI Store for affordable pricing and enjoy pre-approved offers. Get hold of your Bajaj Finserv EMI Network Card to purchase eureka forbes air purifier on No-cost EMI.


In times of the global pandemic, your home is the only place where you spend the most time in the day. Although, it is no more a haven for you with a plethora of allergens, pathogens, viruses and other invisible germs floating in the indoor air. The Daikin air purifier uses the streamer discharge method, active plasma Ion and cutting-edge Electrostatic HEPA Filter to protect you against many dangerous disease-causing pathogens and improve the overall air quality. Do not compromise on the health of your family, and buy the best air purifier today. Enjoy a no-cost EMI using the Bajaj Finserv EMI network card for your purchases.


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Neurological Symptoms You Shouldn’t Ignore



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In 2017, almost half of the Australian population was prevalent for neurological disorders. This is a worrying piece of information. Neurological disorders can sneak up and they can take a toll on your health without you even noticing it. You may have a headache from time to time and think it’s not a big deal. However, it can be a pretty big deal. Some of these symptoms may seem harmless or irrelevant, but the trust is that they can damage your well-being in many ways. Here are the symptoms that should alert you that it’s time you saw a neurologist. 

Chronic headaches 

We all experience headaches – nothing new about that. However, it’s not the same when you have a headache once in four months and when you have one-two times a week. The latter should be a reason for concern. Especially if the headaches are strong and disruptive, you shouldn’t ignore them. Chronic migraines are also worrisome. 

A good way to determine whether you see a neurologist is by measuring the times you take pain relievers for headaches in a month. If the number goes over five, you should definitely consult a professional. When fever, stiff neck, and light sensitivity accompany a headache, they might point to an underlying issue such as meningitis. 

Frequent dizziness 

While dizziness is usually something benign, it can also become a sign of a serious health problem. If you feel dizzy once in six months due to fatigue, you shouldn’t worry too much – you should get some rest. On the other hand, if you experience bouts of dizziness all of the time, you shouldn’t just wait for the next one to start. 

There are several types of dizziness. For instance, syncope causes light-headedness and makes you feel like you’re going to faint while vertigo makes you feel like you’re spinning or swaying even when you’re standing still. Recognising this as a potential problem could help you treat a neurological disorder on time (if you have one).

Persistent pain 

Another thing that accompanies underlying neurological conditions is persistent pain. If you’ve suffered from constant pain for over six months, you should make an appointment with a neurologist as soon as possible. This is especially important if the pain is followed by sensations such as numbness, weakness, and tingling. You could also experience bladder or bowel control issues. 

All of these could be the symptoms of conditions such as neuropathy, multiple sclerosis, and other diseases. Luckily, you could get a life-changing brain surgery in Brisbane and improve your health and life significantly. You could even prevent a stroke. Sudden numbness affecting only one side of your body could be a sign of stroke. 

Sleep problems

Sleep is an essential part of the life of any functional being. You simply cannot go on with your life properly if you’re experiencing some serious trouble sleeping well. Insomnia and hypersomnia are just two of the sleep-related diseases you might have in this case. You could have narcolepsy, sleep apnea, or restless leg syndrome. 

All of these can make it difficult for you to remain focused and present at the moment. Furthermore, they could make it difficult for you to stay sane. If you’re unable to get a good night sleep for any reason, you should definitely head to a neurologist. Even if the problem isn’t neurological in nature, solving it will improve your life in many ways. 

Memory loss 

Finally, if you have trouble remembering things, you should check your neurological health. Of course, you could forget to switch off the lights sometimes – that isn’t a cause for concern. However, if you’re unable to focus on what people are telling you if you have trouble processing information, and if you can’t recall important pieces of information, you might have an issue. 

Especially if this becomes a constant in your life, you should seek help. Even if you constantly feel confused, you could be experiencing some symptoms of dementia. If that’s true, you could slow down this disease simply because you’ve noticed it on time. Once the treatment begins, you could improve the quality of your life in numerous ways.


Some of the things we consider ordinary or normal might be signs of serious health conditions. If you experience any of this often, make sure to check your health with a professional. Most health issues can be treated as long as they are noticed on time!

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