Amanda Kish

speaker

243 appearances 2 recordings 1 series first heard May 2026 last heard 1 Aug

Amanda Kish’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 2 in all, peaking in Aug 2026 with 1.

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Motley Fool Hidden Gems Investing · Insurance-palooza! All You Need to Know to Protect Your Income and Wealth · 1 Aug 2026 podcast

Or conversely, on the lower end, so where Medicaid can become that backstop much, much more quickly.

It's really the folks in that middle ground who have, you know, maybe enough assets that they're going to lose sleep over it, but not quite enough assets to totally shrug off that risk, who may benefit the most from exploring that long-term care coverage.

And one thing I'll mention is that timing on this does matter.

So when you're in your 50s, that's usually the sweet spot to shop, since after that, as you get older, premiums tend to climb, you get more health-based denials, and those tend to rise the longer you wait.

So just keep that in mind that the timing does matter if you do want to explore how that long-term care coverage can fit into your overall insurance picture.

That really depends on the policy.

So if we're talking about auto, homeowners or renters, insurance, those things are fairly commoditized at this point.

So comparison shopping online or possibly through an independent agent works fine.

And honestly, that's something you should be doing every couple of years anyways, no matter what.

Where I think a professional potentially could make more sense is on that more complex stuff.

So when you're talking about life insurance amounts, how that's structured, disability insurance with that own occupation versus any occupation nuance.

And then especially for long-term care and hybrid policies where those products themselves are genuinely complicated and that underwriting can vary a lot between the different carriers.

And in this case, an independent agent is one who represents multiple insurers.

That's what I would recommend here, rather than someone who only sells one particular company's products, because an independent agent is, I think, a little bit more likely to give you a better deal across multiple products.

And of course, a fee-only financial planner can, of course, help you figure out how much coverage you actually need before you even talk to an insurance agent.

So that's going to potentially keep you from being sold more policy than your situation actually calls for.

Yes, thank you.

I would just say that insurance isn't about protecting you from every possible bad thing.

It's about protecting you from the big catastrophic ones.

So the stuff that would derail your financial life if it happened.

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