In this episode, Scott A. Olson, CLTC, shares a real-world client case that proves a long-term care insurance decline isn't always the end of the road. He walks through how a 48-year-old entrepreneur was initially denied coverage, but Scott's deeper understanding of underwriting guidelines led to approval with a better policy at a lower premium. One "no" doesn't mean every company will say no, and the right strategy can uncover better options than you expect.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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In this episode, Scott A. Olson, CLTC, continues the "26 Client Profiles in 2026" series by sharing the real-life long-term care planning story of "Barbara," an 83-year-old widow who secured coverage when most people her age cannot. Scott breaks down the underwriting challenges, the policy design, the costs, and how this coverage compares to Jason's policy discussed in the prior episode. It's a practical, behind-the-scenes look at how thoughtful planning and timing can still make a meaningful difference, even later in life.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

In this episode, Scott A. Olson continues his new "26 Client Profiles in 2026" series by sharing the real-life long-term care planning story of "Jason," a 40-year-old professional who qualified for a simplified-issue policy despite chronic health conditions. Scott explains the financial priorities that should come first, why Jason ultimately bought coverage, and how his benefits grow dramatically over time.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter