“So how are critical illness insurance providers responding to the need for simple and affordable products when this area can be highly complex and expensive? And can the simplification process only work if the products themselves are simple?  …  For product providers, the result is a trade-off between the simplicity required by consumers and the complexity that comes with the flexibility they want to give advisers. Two recent product launches illustrate the point.”

LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):
On the horns of a CI dilemma. 

Can simplification save protection?

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