Planning for health care cost and longevity

Significant Medicare changes may impact your clients in 2025. Find out what you and your clients need to know to navigate the updates.

Help your clients make sense of Medicare's many complexities. Learn more by reading "Medicare Explained: Answers to Client Questions."

Help clients understand the benefits and tax-free growth of using an HSA as a long-term investment vehicle.

This white paper details the key features of health savings accounts (HSAs) and why you should consider adding them to your arsenal of tax-efficient retirement planning strategies.

This client-facing article identifies some Medicare misconceptions and recommends using the Health Care Cost Assessment to get a personalized report of estimated future medical expenses.

Fill out and submit this Health Care/LTC Cost Assessment Fact Finder to generate a personalized report that will help you and your financial professional plan for future medical expenses.

This client-facing brochure explains Medicare basics such as when to enroll and coverage options, as well as compares coverages among Parts A, B, C, D and Medigap.

This white paper outlines the basics of Medicare, explains the enrollment process, and discusses potential Medicare surcharges and uncovered costs.

This client-facing resource guide suggests various organizations and tools that could help those approaching Medicare enrollment at age 65.

With people living longer than in previous generations, this white paper explores 6 topics that you may want to consider in longevity planning.

The cost of health care in retirement is an overlooked part of retirement planning. Learn more about the impacts of health care costs on retirement income.

Medicare is an important part of your clients' health care in retirement. Check out an overview of Medicare and how it works.

There are expenses clients can expect in retirement, including Medicare Parts B and D and Medigap insurance. Watch and learn more about each option and what Medicare doesn't cover, such as long-term care.

Medicare needs, coverages and impacts to costs may vary from year to year. This video breaks down the yearly changes to Medicare.

Our Health Care/LTC Cost Assessment can help predict expenses, giving you and your clients time to plan. Learn how to leverage both the tool and our personalized report.

Learn how HSAs can be an effective way to save for health care costs in retirement, particularly for women.

Learn more about how to help clients avoid spending down assets so they can preserve wealth for future generations.

Read how triple tax advantages make health savings accounts (HSAs) a powerful tool for savvy financial planning.

Clients may not realize that Medicare doesn't cover all medical expenses, and they may need your guidance.

This white paper explains LTC options and considers how to think creatively in planning for long-term care in retirement.

There are many myths associated with LTC benefit models. Learn how to discuss reimbursement and cash indemnity with your client.

Uncover common LTC insurance misconceptions and get talking points for positive planning conversations.

Get 6 suggestions for redirecting LTC discussions to a more positive path.

Family gatherings can be a good time to launch the LTC discussion, learn some tips for a successful conversation.

Use our resource guide to help you take care for your loved ones — and care for yourself.

Learn how an indemnity LTC benefit within an irrevocable life insurance trust may help high net worth clients avoid unexpected estate taxes.

This client-facing guide about how and when to enroll in Medicare also details notable enrollment periods other than the 7-month initial enrollment period around age 65.

This client-facing guide details what is covered under each Medicare "part" and the related costs, as well as comparing and contrasting Original Medicare and Medicare Advantage.

This client-facing article compares and contrasts Original Medicare vs. Medicare Advantage, including costs, coverage limits, and guarantees.

This client-facing article explains why pre-existing conditions and family medical history are important considerations when making Medicare decisions.

Since long-term care is not covered by Medicare or Medigap, this client-facing article explains why planning for LTC expenses in retirement is so important.

This client-facing article presents some of the options you have if you're working past your 65th birthday and still covered by your employer's insurance.

This client-facing article discusses Part D details, including costs as well as potentially changing prescription drug coverages and gaps.

This client-facing article discusses Medigap as a supplemental insurance, paying out-of-pocket expenses not covered by Medicare Parts A and B.

This client-facing brochure lists questions to ask a Medicare broker to better understand Medigap and Medicare Advantage Plan options.

Meet Anita: She's meeting with a financial professional to learn about the basics of Medicare and how it impacts her retirement income.

It's important for you and your clients to consider the financial impacts of chronic illness on their retirement income plans. Share the story of Chris and Jerry with your clients, and discuss the factors they consider as they manage and anticipate their chronic conditions in retirement.

Not everyone retires before or at age 65. Share the story of Greg and Connie with your clients. They’re a couple who talk about how they managed Medicare after turning 65 and while they were still working.