Beyond Self-Insuring: The High-Net-Worth Long-Term Care Playbook
September 23 @ 11:30 am - 1:00 pm
Since 1993, Cavalier Associates has built a reputation for delivering sales, marketing, planning and underwriting support to the upscale life insurance producer.
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About the Event
Preserve liquidity. Protect legacy goals. Avoid preventable case-design mistakes.
High-net-worth clients often dismiss long-term care insurance because they believe they can afford to self-insure. But with future care costs for a couple projected to reach as much as $4 million, paying out of pocket could force the sale of illiquid assets, compound portfolio losses, and reduce wealth intended for family or philanthropic goals.
Join Shawn Britt and David Kopaloff for a practical discussion on repositioning Long-Term Care as a strategic capital and liquidity planning tool—and avoiding trust-ownership decisions that could undermine an otherwise carefully designed plan.
You’ll Learn How To:
Reframe the self-insurance objection around liquidity, portfolio timing, asset efficiency, and legacy preservation.
Position cash-indemnity LTC solutions as a flexible source of care funding that can help clients avoid drawing directly from other assets.
Incorporate premium gifting, including potential use of the $19,000 annual gift-tax exclusion in 2026
Identify trust-ownership and beneficiary-designation issues that may trigger post-death distribution requirements or jeopardize continued benefits for a surviving spouse.
Evaluate alternative case-design approaches through practical examples involving affluent clients, trusts, and joint LTC planning.
You’ll leave with a more nuanced way to engage high-net-worth clients—and a sharper understanding of the ownership details that should be reviewed before a case is placed.
Presented By
Shawn Britt, Director of LTC Initiatives, Nationwide
David Kopaloff, Life Marketing Consultant, Cavalier Associates
Strengthen the HNW LTC Conversation
Register today for a practical, advisor-focused discussion on preserving client flexibility, protecting long-term planning objectives, and avoiding preventable ownership mistakes.
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Details
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Venue
Costa Mesa, 92626 United States + Google Map