New Year, New Plan: Why Long-Term Care Belongs on Every Client's 2026 Checklist
A new year is a natural time for reflection—and for planning ahead. As clients review their financial goals for 2026, long-term care (LTC) should be part of that conversation, not an afterthought.
Rising care costs, longer life expectancies, and evolving family dynamics make long-term care planning more relevant than ever. Yet many clients still assume it’s something they can “deal with later.” The truth is, the best time to plan is before a health event or age-related limitation narrows their options. Early planning often means more choices, greater affordability, and peace of mind.
The new year also creates an ideal opening for producers. Clients are already thinking about protecting assets, reducing future risks, and ensuring their independence. Positioning long-term care as a proactive step—not a reactive one—helps reframe it as a smart financial strategy rather than a difficult topic.
As clients build their 2026 checklist, long-term care deserves a place alongside retirement savings and estate planning. A new year brings a fresh start—and an opportunity to help clients plan not just for longer lives, but for better-protected ones. Check out this product guide from our partners at Mutual of Omaha!
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