The Long Term Care Insight helps advisers model the potential financial impact of long-term care expenses within a client’s financial plan. This report can be used to illustrate how additional healthcare and care-related costs may affect cash flow, assets, and potential shortfalls over time.
The Insight allows advisers to test different care scenarios by adjusting the timing, monthly expense amount, and optional advanced assumptions.
Note: This is scheduled to become available in the US on June 26th, 2026.
How to Run the Long Term Care Insight
To access the Insight:
- Open the client plan in AdviserGo
- Navigate to the Insights section
- Search for and select Long Term Care
4. Configure the desired assumptions
5. Run the Insight to generate the data for the report
Note: Once the insight has been run you can then go to the Reports section and generate the report.
What the Report Includes
The Long Term Care Insight report includes both the selected assumptions and the projected financial impact of the modeled care event.
Inputs Summary
The report displays:
- Selected person
- Start age
- Monthly expense amount
- Duration settings
- Any enabled advanced assumptions
Results Summary
The report calculates and displays:
- Total Additional Expenses generated by the long-term care event
- Years of Additional Shortfall created within the plan
Cash Flow Impact Chart
The report also includes a Cash Flow chart illustrating how the additional care expenses impact the client’s projected financial plan over time.
Important Notes
- The Long Term Care Insight is currently available for US plans only.
- Some charts or calculations may not generate if corresponding plan items have not been entered into the client plan.
- If a chart cannot be generated, the report will still produce successfully and display a “Chart Not Available” message where applicable.
- If the simulation cannot complete successfully, the report will display a “No Solution” message.
Adviser Notes
Advisers can add custom notes to the Insight report. These notes will appear at the end of the report section and can be used to provide additional planning context or recommendations for the client.
To add notes, select the report from the Review, Configure & Generate Section. Click the three dots located to the right of the name of the report and select "configure". This will open up the ability to add notes to the report and review the configuration settings of the simulation.