Nadine Anderson

A recently released industry survey found Americans bought individual life coverage faster, with demand clustering around guaranteed protection and market-linked options overall.
Whole life helped lead momentum, reflecting how lingering economic uncertainty often steers clients toward straightforward coverage with predictable death benefits and guaranteed cash value growth.
Affluent buyers appeared to favor larger VUL contracts, as rebounding equity markets and longer time horizons made market-linked coverage more compelling for wealth transfer planning.
Term life stayed steady through online and digital channels, and those buyers may soon create conversion opportunities as purchasers move into their 40s and 50s.
The middle ground looked softer, with indexed and fixed universal life under pressure, while advisors were encouraged to watch product fit and illustration expectations.

USA Life Insurance Trends to Watch

Most health plans treat walk-in tubs as permanent home modifications, not durable medical equipment, so coverage is uncommon even with a doctor's prescription.
Original federal health coverage generally excludes tubs, but some managed plans may offer home safety allowances up to $2K yearly for support.
State-federal coverage can be a stronger path through home-based care waivers, though eligibility, waitlists, reimbursement rules, and approval timelines vary widely by state.
Policy details matter: coverage exceptions often require medical-necessity letters, approved suppliers, upfront payment, and careful review if a claim denial seems unreasonable.
Walk-in tubs typically range from $3K to $20K, and grants usually target base models for accessibility rather than luxury features like hydrotherapy jets.