According to a recent LinkedIn post from Cornerstone Financing, the firm is drawing attention to long-term care (LTC) as a retirement risk that many clients recognize but often lack a concrete funding plan to address. The post references an InsMark webinar episode that explores how some advisors are evaluating hybrid indexed universal life (IUL) policies with LTC riders as a potential solution.
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The LinkedIn post indicates that a key challenge discussed is how to fund such policies without depleting clients’ liquid assets under management (AUM). To address this, the content highlights CHEIFS, described as a non-recourse home equity investment agreement that can convert home equity into liquidity with no monthly payments or interest accrual, with repayment triggered by events such as sale or transfer of the home or death.
As shared in the post, this approach positions home equity as an alternative funding source for insurance-based LTC planning, which may appeal to advisors seeking to preserve investable assets while managing longevity and care risks. If adoption grows, Cornerstone Financing and its partners could see increased demand for advisory structures that integrate home equity solutions, potentially supporting revenue tied to planning tools and related financial products.
The event, scheduled for May 14, 2026, also features platforms such as Wealthy and Wise+ and RePredict, suggesting an emphasis on analytics-driven planning. For investors, the post suggests that Cornerstone Financing is aligning itself with strategies that blend insurance, real estate equity, and financial planning technology, which could enhance its positioning in the retirement and LTC planning segment if these concepts gain broader market traction.