Presented by Leonard Berthelsen For a number of years, the long term care industry has proclaimed that product design needs to change in order for the middle class to be able to afford long term care insurance.  Well, maybe that change has arrived. John Hancock is taking a new approach that if you build a plan with set, pre-determined base rate adjustments, you just might be able to avoid the big surprises later.  Designing a plan with those adjustments in mind along with a “Flex Account” as a way of offsetting unexpected and unforeseen expenses, gives this innovative approach to long term care insurance a different feel that just might be the fire this industry needs. Take a look at the future of LTC insurance . . . click here