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Innovations in Long Term Care Funding with Life Insurance

Total Credits: 3 including 3 CE Credit

Average Rating:
Life |  Long Term Care
Jerry Rhinehart, CIC, CLU, ChFC, RHU
3 hrs
Access for 30 day(s) after program date.



Course Description Most everyone knows people that have experienced a long-term care dilemma with a family member. Due to a severe physical or mental condition this loved-one now needs advanced care. Can they family render such care at home? Is there a family member that can provide the care needed? Or does the individual (or family) have the financial means to pay someone to provide the care? Maybe the individual needs to be in a care facility outside the home?  If so, other questions now arise: how much will that cost; what is the best facility for them; and, where will the money come from to pay for this care? Tough questions - hard choices, to say the least. This session will explore the three logical choice for the dilemma described above: 1) be RICH and self-insure; 2) be POOR and let the government handle the problem, or, 3) be INSURED and control the options and expenses yourself.


This program will review the rules, requirements and problems associated with the “government” (Medicare and Medicaid) paying for such care. Also discussed will be the

advantages, coverage options, riders, current trends, tax rules, underwriting criteria and potential cost of a long term care insurance policy paying for the needed care.

SC Course number Course # 141348
Type of Course: Life, Accident & Health

Course Materials


Jerry Rhinehart, CIC, CLU, ChFC, RHU's Profile

Jerry Rhinehart, CIC, CLU, ChFC, RHU Related seminars and products

Jerry graduated from the University of West Florida in 1970 (College of Education). After teaching at the high school level for a brief time he moved into the insurance industry. He worked for a property and casualty direct writer for several years. In 1983 he and his wife open an independent insurance agency in Tallahassee, FL. While there he focused primarily on the life, health and financial services area. Additionally he began working in the Continuing Education field as a speaker and writer. The property and casualty division was sold in 1995. Today Jerry continues to operate a life and financial services agency - Rhinehart & Associates - located in Panama City, FL.


Jerry serves on the National Faculty of the Society of Certified Insurance Counselors.  He attained his CIC in 1986, his CLU in 1987, his ChFC in 1988, and his RHU in 1997. He is a director and Past­ President for the Tallahassee Chapter of CLU and ChFC. He also served as a director and Secretary/Treasurer for Professional Insurance Agents of Florida and is a past Agent of the Year for that organization. He is a former national member of the Board of Governors of the Certified Insurance Counselors (Austin, TX).


Since 1986 Jerry has conducted more than 1,200 programs to insurance, CPA, attorney and Human Resource groups on topics that range from Estate Planning, Long Term Care, Life Insurance, Annuities, Business Perpetuation and Health Insurance. He frequently writes articles for various insurance trade magazines on the above topics. Additionally, serves as an expert witness in legal proceedings regarding life and health insurance matters.


Wed, Jun 01, 2022 - 01:00pm to 03:56pm EDT
Thu, Jun 16, 2022 - 09:00am to 11:56am EDT
Wed, Jul 06, 2022 - 01:00pm to 03:56pm EDT
Mon, Jul 25, 2022 - 09:00am to 11:56am EDT
Wed, Aug 03, 2022 - 01:00pm to 03:56pm EDT
Mon, Aug 22, 2022 - 09:00am to 11:56am EDT
Thu, Sep 01, 2022 - 01:00pm to 03:56pm EDT
Fri, Sep 16, 2022 - 09:00am to 11:56am EDT
Mon, Oct 03, 2022 - 01:00pm to 03:56pm EDT
Wed, Oct 19, 2022 - 09:00am to 11:56am EDT
Thu, Nov 03, 2022 - 01:00pm to 03:56pm EDT
Wed, Nov 16, 2022 - 09:00am to 11:56am EST
Thu, Dec 01, 2022 - 01:00pm to 03:56pm EST
Tue, Dec 13, 2022 - 09:00am to 11:56am EST



Overall:      4.8

Total Reviews: 166


Rene S - Longwood, Florida

"Love Jerry, his information is always on point. "

Margaret (Peggy) D - Columbia, South Carolina

"Jerry is a great communicator. Packs so much in a short time span."

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