What separates outstanding financial advisors from the pack? In my experience, top advisors have an ability to keep their clients a step ahead of major changes in financial services. They are nimble in their thinking and planning. When strategies or solutions start to lose advantages, these advisors can move to alternatives.

I believe the best advisors are now making such a shift in longterm care insurance (LTCI). In this article, I'll explain why and identify an attractive alternative they are offering senior clients.

Today's LTCI market has fallen under a cloud that won't soon lift. To understand it, look no farther than a feature article in the April issue of what may be the most powerful publication among seniors, the AARP Journal. The article focused on large premium increases that have jolted the LTCI market. Quoting the Kansas Commissioner of Insurance, the article observed that "only three of the top 10 [LTCI] companies did not have fairly significant rate increases" in 2003.