When you meet with your clients to fill out a Long Term Care application you are faced with asking tough questions. At times, not all clients feel comfortable telling you which medications they are on or why, or how much they weigh. As an agent, it is your job to be thorough when completing the application...

As baby boomers enter their retirement years, many mistakenly assume government programs will meet their future Long Term Care needs. But both Medicare and Medicaid have limitations and may undergo significant changes in the face of the growing federal deficit. Now is the time to start having conversations...

Learning how to adjust to the changing market is crucial to the continued success of your LTC Insurance business. Today’s market reflects an expanding, diverse clientele, so being able to respond to their unique needs and budget constraints is critical.  The first step is to understand their concerns...

“What’s your plan?” That's the question we encourage agents to ask their clients - because when there isn't one, the consequences can be heartbreaking. The New York Times article referenced below addresses the realities of what can happen when there is not a plan in place - through the tragic...

While educational seminars or direct mail campaigns are good lead generation tools, these campaigns can be costly and usually take time to yield considerable results. So how can you build momentum and grow your Long-Term Care Insurance business without breaking the bank? Follow these 3 simple steps: ...

Finding reasons why your clients need LTCi can be a challenge. You want them to understand the importance and need for the product, and also how it can impact them and their family. Ask these 3 questions to your prospective clients to drive the point home on why having a LTCi policy is so important. 1....

Not only are women living longer than ever, they're also the target market that will drive your LTCi sales further. Women typically have spent some time during their life taking care of another person - a daughter, sister, wife, mother or friend. As they look to their futures, they must consider how they...

You can use a flexible Asset Based solution which allows for affordable premium payments overtime while retaining flexibility for your client. With a $6300 annual premium for a 10 year period, the client secures a guaranteed death benefit, guaranteed cash surrender value, and a tax free million dollar...

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...