Episode
E88 - Have This Conversation With Your Parents Before It's Too Late
- Published
- Feb 27, 2026
- Duration seconds
- 4804
- Processing state
not_requested
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Summary
Book a call: https://remnantfinance.com/calendar ! Out Print the Fed with 1% per week: https://remnantfinance.com/options Email us at [email protected] or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance ) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 ) Twitter: @remnantfinance (https://x.com/remnantfinance ) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________Most people don't think about long-term care until they're forced to and by then, it's often too late to get coverage. The statistics are stark: there's a 68% chance any American will need long-term care at some point, and for couples, that number jumps to nearly 90%. Yet most families never have the conversation until a health event forces their hand. In this episode, Hans sits down with Travis McBride — fellow Navy helicopter pilot turned insurance strategist — to break down everything you need to know about long-term care planning. Chapters: 00:00 – Opening segment 02:35 – Travis's background04:50 – What the brokerage does and who they serve 13:40 – Long-term care 101: statistics and why it matters 16:45 – The three ways to fund long-term care 17:20 – Traditional LTCI: how it works and the use-it-or-lose-it problem 18:50 – How carriers mispriced policies in the 90s and 2000s 24:10 – The premium increase trap: stuck and uninsurable 25:20 – Are the premiums guaranteed? 35:05 – Life insurance with an LTC rider38:50 – The six activities of daily living explained 43:05 – Hybrid/asset-based policies: repositioning vs. spending 45:15 – How leverage works inside a hybrid policy 52:30 – Reimbursement vs. cash indemnity55:45 – Who should be thinki…