Best CLTC Podcasts (2025)

1
Jason: Buying Long-Term Care Insurance at Age 40? 10:07

Play Pause

1d ago10:07

10:07

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…

1
Discussing Traditions Around The Order 7:36

3d ago7:36

7:36

Today on Table Talk with BBYOInsider, we’re talking about traditions from around the Order. We’ll hear how different chapters and communities celebrate, reflect on what these customs mean to us, and explore how sharing our traditions helps strengthen connection, identity, and community across BBYO.By BBYOInsider

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Are Insurers "Fleeing" Long-Term Care Insurance? 5:58

5d ago5:58

5:58

Why did more than 150 insurance companies really stop selling traditional long-term care insurance? In this episode, Scott A. Olson, CLTC, exposes one of the industry's biggest half-truths. He explains how the Rate Stability Regulation in the early 2000s reshaped the long-term care insurance market and why today's remaining carriers are specialists…

1
More Than Candles: The Meaning of Hanukkah Today 9:12

7d ago9:12

9:12

Today on Table Talk with BBYOInsider, we’re celebrating Hanukkah—the Festival of Lights—and exploring what it means to bring light into the world. We’ll reflect on the story of Hanukkah, talk about strength, resilience, and Jewish identity, and share how small moments and everyday “miracles” can make a big impact.…

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Getting Excited for International Convention 2026 11:02

7d ago11:02

11:02

By BBYOInsider

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Bill and Kim: A Smart LTC Insurance Journey 10:26

8d ago10:26

10:26

In this episode, Scott A. Olson kicks off his new "26 Client Profiles in 2026" series by sharing the real-life long-term care planning story of "Bill and Kim," a couple who did everything right. Scott walks through their background, health history, and decision-making process, explaining why a traditional long-term care insurance policy was the bes…

1
Five Guarantees You Need in Long-Term Care Insurance 9:12

12d ago9:12

9:12

Considering life insurance as a way to plan for long-term care? In this episode, Scott A. Olson walks through a real-life case study that shows why guaranteed values matter most when evaluating Life/LTC hybrid policies. He explains the five non-negotiable criteria every policy should meet and exposes common (and costly) mistakes made by advisors an…

1
How to Evaluate Insurance Illustrations (It's All About the Guarantees) 8:14

15d ago8:14

8:14

In this episode, Scott Olson, CLTC, co-founder of LTCShop.com and author of Long-Term Care Insurance Now, reveals how "guaranteed" life insurance illustrations can mislead consumers, especially when used in place of traditional long-term care insurance. Scott breaks down a real example where an advisor presented only the non-guaranteed pages of a p…

1
How We Turned $40K to $878K with Long-Term Care Insurance (Part 2) 6:33

19d ago6:33

6:33

In this episode, Scott A. Olson, CLTC, shares how his mother-in-law turned $40,000 in long-term care insurance premiums into more than $280,000 in benefits, ultimately creating an $878,000 positive impact on her net worth. He explains how her policy enabled her to avoid capital gains taxes, preserve real estate investments, and invest excess income…

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How We Turned $40K to $878K with Long-Term Care Insurance (Part 1) 6:17

22d ago6:17

6:17

In this episode, Scott A. Olson, CLTC, shares how his mother-in-law turned $40,000 in long-term care insurance premiums into more than $280,000 in benefits, ultimately creating an $878,000 positive impact on her net worth. He explains how her policy enabled her to avoid capital gains taxes, preserve real estate investments, and invest excess income…

1
The Hidden Cost of Self-Funding Your Long-Term Care 11:27

26d ago11:27

11:27

In this episode, Scott A. Olson, CLTC, reveals the hidden, often-overlooked costs of self-insuring for long-term care. He explains why paying out of pocket can drain far more than the amount spent, due to lost investment income, higher taxes, and increased Medicare premiums. Scott explains why tax-free long-term care insurance can be a smarter stra…

1
Giving Thanks: How We Can Give Back to Our Communities 9:14

29d ago9:14

9:14

Today on Table Talk with BBYOInsider, we’re diving into the theme of giving thanks and how we can give back to our communities. We’ll discuss meaningful ways to express gratitude, highlight opportunities to make a positive impact, and explore how small acts of kindness can strengthen the BBYO community and beyond.…

1
Long-Term Care Insurance is Portfolio Insurance 7:07

29d ago7:07

7:07

Should you self-insure for long-term care, or is long-term care insurance the smarter strategy? In this video, Scott A. Olson, CLTC, co-founder of LTCShop.com, explains why higher-net-worth individuals actually have less to gain by self-insuring and far more to lose. Using simple, real-world examples, he breaks down the actual risk and why long-ter…

1
ChatGPT vs Long-Term Care Insurance Expert - Part 2 10:46

1M ago10:46

10:46

In this episode, Scott A. Olson shares his answers from TheStreet.com's article, in which ChatGPT was asked to choose between standalone LTC insurance and hybrid LTC policies (linked below). After reviewing ChatGPT's answer, Scott gives it a solid **F**. While ChatGPT got a few things right, it missed several essential truths that consumers need to…

1
ChatGPT vs Long-Term Care Insurance Expert - Part 1 8:17

1M ago8:17

8:17

In this episode, Scott A. Olson shares his answers from TheStreet.com's article, in which ChatGPT was asked to choose between standalone LTC insurance and hybrid LTC policies (linked below). After reviewing ChatGPT's answer, Scott gives it a solid **F** for overlooking several critical factors that consumers must understand before making a decision…

1
Our Pledge to You 3:43

1M ago3:43

3:43

In this episode, Scott A. Olson—co-founder of LTCShop.com and long-time long-term care insurance specialist—shares the pledge he makes to every client. As an independent agent, he listens first, compares multiple top policies, and recommends only the coverage that is best for you. Welcome to Long-Term Care Insurance Now. Your trusted source for the…

1
Parshat Lech Lecha: Our Lech Lech Lecha Moments 13:09

1M ago13:09

13:09

Today on Table Talk with BBYO Insider: We’re venturing into Parshat Lech Lecha! Join us as we follow Avram’s journey into the unknown, explore themes of faith, identity, and courage, and discuss how stepping into new territory can shape our own paths.By BBYOInsider

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Applying to College as Jewish Students 14:51

1M ago14:51

14:51

Today on Table Talk with BBYOInsider, we’re diving into the college application journey as Jewish high school students. We’ll discuss navigating the process with confidence, addressing challenges like rising antisemitism on campus, and exploring ways to stay connected to BBYO and Jewish life after graduation. Plus, we’ll share practical tips, perso…

1
How to Buy LTC Insurance in Four Steps 5:11

1M ago5:11

5:11

In this episode, Scott A. Olson, CLTC, walks you through our straightforward four-step process to buying long-term care insurance. From your introductory call to reviewing your approved policy, you'll see exactly how we help you compare options, complete your application, and ensure your coverage truly fits your needs and budget. Whether you're jus…

1
Why the New York Times Called Long-Term Care Insurance "Risky" (Part 8) 6:02

2M ago6:02

6:02

In this episode, Scott A. Olson examines why The New York Times called long-term care insurance "risky" and exposes how the article misrepresented the real meaning behind that label. He explains that older policies from the 1990s and early 2000s were underpriced and placed financial strain on some insurers, whereas today's policies are accurately p…

1
The Impact of a BBYO Summer 24:08

2M ago24:08

24:08

Today on Table Talk with BBYOInsider, we’re exploring the impact of a BBYO summer! From leadership at CLTC and ILTC to the meaningful moments of Kallah and the global adventures of Passport, we share how these experiences shaped our confidence, friendships, and Jewish identity.By BBYOInsider

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From Campfires to Confidence: Inside CLTC, ILTC & Kallah 16:29

2M ago16:29

16:29

Today on Table Talk with BBYOInsider, we’re diving into the heart of summer! We asked BBYO members from around the globe to share their favorite camp memories, traditions, and standout moments from CLTC, ILTC, and Kallah.By BBYOInsider

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What the New York Times Got Wrong About Long-Term Care Insurance (Part 7) 5:58

2M ago5:58

5:58

In this episode, Scott A. Olson uses humor and a bit of automotive history to highlight the New York Times' bias against long-term care insurance. He compares the notoriously unreliable Yugo to Penn Treaty, a small, financially weak long-term care insurer whose failure the New York Times used to claim the whole industry was collapsing. Scott explai…

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How the New York Times Miscalculated Long-Term Care Costs (Part 6) 4:27

2M ago4:27

4:27

In this episode, Scott Olson, co-founder of LTCShop.com and author of Long-Term Care Insurance Now, examines errors in the most popular New York Times article about long-term care insurance. He highlights how miscalculations, like confusing premiums, lead to inaccurate portrayals of costs and benefits. Scott clarifies historical pricing and explain…

1
What the New York Times Got Right About Long-Term Care (Part 5) 6:33

2M ago6:33

6:33

In this episode, Scott A. Olson highlights four key points the New York Times correctly identified about long-term care insurance. He discusses why it may not be suitable for everyone, how billions of claims benefit families annually, and the importance of inflation protection. With his decades of experience, he provides insights for anyone conside…

1
What the New York Times Gets Half-Right about "Wildly Inadequate" LTCi (Part 4) 6:20

2M ago6:20

6:20

In this episode, Scott A. Olson, CLTC, takes a closer look at another “half-truth” from The New York Times' 2023 article on long-term care insurance. The Times claimed that the private insurance market has proved “wildly inadequate,” yet also described policyholders as “savvy consumers” for keeping their inadequate policies. Scott reveals that the …

1
What Movies Do Members of BBYO Watch? 17:18

2M ago17:18

17:18

Today on Table Talk with BBYOInsider, we’re diving into the world of film! We asked BBYO members from around the globe to share their top ten movies of all time, and now we’re revealing the results. From timeless classics to modern blockbusters, we’ll rank the fan favorites, debate the choices, and see how our own opinions stack up.…

1
Parshat Bereshit: The Power of Words 8:07

2M ago8:07

8:07

Today on Table Talk with BBYO Insider: We’re kicking off the Torah all over again with Parshat Bereshit! Join us as we dive into the story of creation, the origins of humanity, and the first choices that shape our world.By BBYOInsider

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Half-Truths the New York Times Shared about Long-Term Care Insurance (Part 3) 8:53

2M ago8:53

8:53

In this episode, Scott A. Olson breaks down two "half-truths" from the 2023 New York Times article on long-term care insurance. He explains why so many companies stopped selling traditional LTC insurance more than 20 years ago and how new regulations, falling interest rates, and industry consolidation shaped the market. Scott also reveals why many …

1
From Big Cities to Small Towns: The Jewish Teen Experience in BBYO 25:23

2M ago25:23

25:23

Today on Table Talk with BBYOInsider, we explore how geography shapes the BBYO journey. From bustling cities to tight knit small communities, we share what it’s like to build community, find identity, and lead within BBYO no matter where we call home. Hear from members across different regions as they reflect on the unique challenges and shared con…

1
What the NY Times Gets Wrong About New LTCi Policies (Part 2) 10:25

2M ago10:25

10:25

In this episode of LTCi Now, Scott A. Olson reveals key facts about long-term care insurance that the New York Times completely left out of its 2023 article. First, he explains that policies sold before 1993 were terrible. Second, he highlights how new pricing rules and rate stability regulations protect today's policyholders. And third, he introdu…

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What the New York Times Gets Wrong About LTC Insurance (Part 1) 6:25

2M ago6:25

6:25

In this episode, Scott A. Olson discusses how the New York Times has repeatedly published misleading and negative articles about long-term care insurance. He argues that the coverage actually works. Scott explains that despite these recurring negative headlines, the industry remains strong and reliable. U.S. Department of Health and Human Services:…

1
Let's Talk Averages 6:11

3M ago6:11

6:11

In this episode, Scott challenges the common financial-planning mistake of relying on averages when preparing for long-term care. He explains that just planning for retirement income to last only until the "average life expectancy" is misguided. Long-term care insurance, he concludes, exists precisely to solve this uncertainty and protect retiremen…

1
One of the Best Ways to Self-Insure for Long-Term Care 6:33

3M ago6:33

6:33

By Scott A. Olson

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Practical Guidance for Self-Insuring Your Long-Term Care 6:00

3M ago6:00

6:00

In this episode, Scott A. Olson shares practical steps for those planning to self-insure for long-term care. He warns that care costs can far exceed expectations, often wiping out savings. Scott explains how long-term care insurance provides immediate support, reduces family stress, and preserves relationships when caregiving becomes a reality. Wel…

1
When is the Best Time to Buy Long-Term Care Insurance? 7:35

3M ago7:35

7:35

In this episode, Scott A. Olson, co-founder of LTCShop.com and author of Long-Term Care Insurance Now, answers the question: What’s the best age to buy long-term care insurance? 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…

1
Roth IRAs: Third Worst Way to Pay for Long-Term Care 3:52

3M ago3:52

3:52

In this episode, Scott A. Olson reveals why using a Roth IRA to self-insure for long-term care is one of the worst strategies. While Roth IRAs are an incredible tool for retirement savings and passing wealth to heirs, spending them on long-term care undermines their most significant advantages. Instead, Scott explains that traditional IRAs and 401(…

1
HSAs: Second Worst Way to Pay for Long-Term Care 10:19

3M ago10:19

10:19

In this episode, Scott A. Olson breaks down why Health Savings Accounts (HSAs) are one of the worst ways to self-insure for long-term care. He explains how HSAs work, the tax advantages they offer, and why many people mistakenly see them as a long-term care funding solution. Welcome to Long-Term Care Insurance Now. Your trusted source for the lates…

1
The Worst Way to Self-Insure for Long-Term Care 4:35

3M ago4:35

4:35

In this episode, Scott A. Olson unpacks the biggest mistake people make when they say they'll "self-insure" for long-term care. Too often, individuals never communicate their intentions with the very people who will be responsible for their care when the time comes. Scott highlights why this lack of planning creates unnecessary stress, leaving love…

1
Easily Compare Hybrid and Traditional Long-Term Care Policies 8:42

3M ago8:42

8:42

In this episode, Scott A. Olson explains how to compare traditional long-term care insurance with hybrid life/LTC policies. He emphasizes the importance of confirming that a hybrid is guaranteed to remain in force for life and advises ignoring the death benefit and cash value when making comparisons. Finally, he discusses five situations where a hy…

1
Lessons from My Caregiving Experience 16:10

4M ago16:10

16:10

In this episode, Scott A. Olson reflects on his second experience as a caregiver when his mother-in-law suddenly needed long-term care. He contrasts this experience with his first, far more stressful caregiving journey, and explains how planning ahead reduced stress for the entire family. Welcome to Long-Term Care Insurance Now. Your trusted source…

1
The Easy Way to File A Long Term Care Insurance (LTCi) Claim 6:55

4M ago6:55

6:55

Filing a long-term care insurance (LTCi) claim can be complex, especially if you've never done it before. In this video, Scott A. Olson, co-founder of LTCShop.com, breaks down the common roadblocks to filing an LTCi claim. Discover how you can simplify the claims process and focus on what truly matters: your loved ones. Welcome to Long-Term Care In…

1
Key Differences Between Traditional LTC and Hybrid Policies 7:34

4M ago7:34

7:34

On this episode, Scott A. Olson tackles the question of whether to go with traditional long-term care insurance or a hybrid life insurance policy with a long-term care rider. He shares the story of a woman in her mid-50s who first applied for a hybrid policy because it offered a death benefit on top of long-term care coverage. After weighing both o…

1
Let's Talk About Claims 5:18

4M ago5:18

5:18

Many people want to purchase long-term care insurance after witnessing how much it helped a loved one. In this video, Scott A. Olson, co-founder of LTCShop.com, explains the significant impact of these policies, with over $224 billion in claims paid to more than 1.7 million policyholders. He also demystifies the rules around claim denials, highligh…

1
How does Private LTC Insurance Compare to the WA Cares Fund? 11:29

4M ago11:29

11:29

The WA Cares Fund is the nation’s first government-run long-term care insurance program, but how does it really compare to private insurance? In this episode, Scott A. Olson, CLTC, breaks down nine key reasons private long-term care insurance outshines the WA Cares Fund. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest in…

1
Public Long-Term Care Insurance? What is the WA Cares Funds? 11:07

4M ago11:07

11:07

In this episode, Scott A. Olson explains the WA Cares Fund, the first government-run long-term care insurance program in the U.S. He highlights what Washington State did right and wrong with the program's design and explores key similarities between WA Cares and private LTC insurance. He also outlines six distinct advantages the WA Cares Fund offer…

1
The Best Annuities to Buy for Long-Term Care 5:17

4M ago5:17

5:17

In this episode, Scott A. Olson, CLTC, explains how certain annuities can multiply your premium deposit, providing significant leverage for long-term care. He details how these products attract clients who need to prioritize easy underwriting, catastrophic coverage, and a built-in death benefit. Welcome to Long-Term Care Insurance Now. Your trusted…

1
The Worst Annuities Used to Plan for Long-Term Care 10:58

4M ago10:58

10:58

Scott A. Olson breaks down the worst types of annuities marketed for long-term care planning. He explains why most annuity-based strategies fall short and how some approaches merely amount to self-insuring. If you're considering annuities as part of your LTC plan, this is a must-listen. Welcome to Long-Term Care Insurance Now. Your trusted source f…

1
Rate Stability FAQs 5:44

5M ago5:44

5:44

In this episode, Scott discusses the history, purpose, and effectiveness of the NAIC's Rate Stability Regulation for long-term care insurance. He explains how to check if your policy is covered and notes that these regulations aim to reduce future premium increases. As a result, newer policies usually experience smaller or no rate increases compare…

1
Rate Increases! Rate Increases! Rate Increases! 9:23

5M ago9:23

9:23

In this episode, Scott A. Olson explains the truth about long-term care insurance rate increases and why many older policies saw steep hikes. Today’s policies, while more expensive upfront, are subject to stricter regulations that reduce the likelihood of significant future hikes. As a result, while minor adjustments are still possible, new buyers …