More financial professionals are revisiting older permanent life insurance policies as long-term care costs rise, hybrid solutions gain traction, and consumers look for ways to reposition existing assets without triggering taxes.

By Louis Slagle, guest contributor

Few planning conversations create more emotional hesitation than long-term care (LTC). Most people understand the possibility exists, but many still push the topic aside because it feels expensive, uncomfortable, or too far away to address right now. Eventually, though, concerns about healthcare costs, independence, and the protection of family members become impossible to ignore.