Brokers Central

Caregivers can help patients by asking questions about long-term-care needs, writes Thomas West of Signature Estate & Investment Advisors. They should ask whether the patient understands potential LTC costs and the expenses that Medicare and Medicaid will and won't cover, West writes. McKnight's Long-Term Care News (8/28)

Annuities and other guaranteed income products hedge longevity risk 25% to 40% cheaper than do-it-yourself portfolio optimization strategies, writes Bob Seawright. "Thus retirees who purchase an income annuity assure themselves a higher level of consumption and guarantee it as well," he writes. Research magazine (9/2015)