1. Genworth move could signal big shift in distribution of long-term-care insurance

    Insurers may turn to direct-to-consumer sales only, bypassing brokers and insurance agents.

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    1. The direct-to-consumer trend is nothing new for many businesses.
    2. There are fewer and fewer carriers we have the ability to offer folks coverage for.
    3. Sometimes industries need to undergo a seismic shift in order to reemerge.
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