50% of Retirees Will Need Long-Term Care at 85: How Will Your Retirement Plan Today Address That?

An older couple have a serious discussion on their sofa.

For most of my life, I've worked as an innovator in the financial services space, with a particular focus on life insurance and annuity products.

For 40 years, that was my job and specialty. One of my "first of a kind" product inventions — the Accumulator — offered downside protection on the income that a variable annuity could provide and eventually created a $1 trillion industry.