Long-term growth

Over his career, Richard Pitbladdo has saved insurance companies billions of dollars.

Armed with a Ph.D. from Stanford University, where he was a student of former Federal Reserve Chairman Ben Bernanke, Pitbladdo is an expert in the field of long-term care insurance.

Older people buy long-term care insurance to pay for expensive services if they become unable to care for themselves because of disability or chronic illness. Such insurance usually pays for help when someone can't perform basic tasks such as getting out of bed or getting dressed.