Carrier exits, suspension of sales, in-force rate increases. Yes – we’ve seen it all over the past 5-10 years in the world of Group & Multi-life long-term care insurance. However, we’ve also seen employer/consumer consciousness and the need for this important planning rise throughout the years.

The marketplace has stabilized and we’ll likely see new entrants in 2016 and beyond. Today’s products are priced more conservatively and carriers who are distributing products have a much better handle on what plagues them and others in first generation products. LifeSecure is somewhat of a newer player (10 years old) in this marketplace, but has quickly become an industry leader.