Don’t let the topic of long term care intimidate you out of a potential sale. Long term care is often perceived as a difficult subject to discuss, but the ultimate goal - financial security - is the same as with any other type of insurance or investment that you currently offer your clients. The...

A Controlled Executive Bonus Plan, also known as a Restrictive Executive Bonus, or Section 162 plan, is an agreement between an employer and its key employee(s) to provide a death benefit, supplemental income, and now includes long-term care benefits. The employee applies for and owns the life insurance...

Most people will need long-term care services at some point during their lives, and the costs can be staggering.  Asset Based Long Term Care offers your clients an efficient way to plan for these potential expenses with LTC coverage plus as well as a death benefit for cost recovery. Four potential...

Who will need it and for how long, how much it will cost, the state of the long-term care insurance marketplace, and the toll on caregivers. If there's a single unsolved problem in the retirement plans for many middle and upper-middle-income adults, it's what to do about long-term care costs later in life. Very...

Research shows that most clients value three distinct priorities in creating a plan to address long-term care costs: Flexibility Protecting and growing their portfolio Minimizing the impact of care on their family Identifying your clients' top priority and primary concern will help you implement...

There is an unsubstantiated story that after receiving the Nobel Prize for Peace in 1979 Mother Teresa asked how much the medal, with its four-plus ounces of gold, was worth. One might be put off by such a mercenary inquiry had it not come from the founder of the Missionaries of Charity whose 4000...

Over the years, we have been able to recognize and identify trends across the long term care market. While the cost of care among all providers has increased, the cost of facility based care has grown at a much greater rate than home care. While your clients have more choices than ever before, it is vital...

When planning for retirement, most people take stock of their expenses to ensure they have enough income to live comfortably. But many fail to consider the significant price of long-term care services. The average cost of nursing home care is approaching $80,000 a year. Making it easy to see how a long-term...

Looking for a life-based long term care product that can cover two people under one policy? Sometimes clients are unsure whether or not they need protection – and may want to cover their spouse instead. Kill two birds with one stone with a joint life product, which not only protects your client and his/her...

Multi-life LTCI continues to be one of the leading sales opportunities in the long-term care insurance marketplace today. Usually the hardest part of making a sale is finding the prospect, however, a multi-life prospect might be as simple as opening your client files. Chances are, you already have clients...