Bringing up the subject of Long-Term Care (LTC) Insurance is not always easy, but changes may have happened in your clients’ lives that make this the year to talk about LTC. The annual financial review is a great time to discuss changes that may have occurred over the past year, and proactively plan...

The need for long-term care does not discriminate.  No matter what your income is, your marital status, or any other demographics that come into play – when you need long-term care, you need long-term care. Clients with families and children typically consider themselves to have a “default”...

If statistics alone sold Long-Term Care Insurance policies, industry sales would be growing exponentially year after year.  However, clients take in more than just the numbers - their decision-making process doesn’t rely solely on statistics. In order to ignite desire in a client, an advisor must...

You may have some retirement-age clients who did not purchase Long-Term Care Insurance in the past due to high premiums. By crafting your sales approach, you can reach out to these prospects about affordable long term care insurance and designing a plan within their budget. Here's how you can get the LTCi...

Traditional Long-Term Care Insurance placement rates have suffered due to carriers offering more stringent underwriting guidelines - declines on one spouse or the other and policies issued at rate classes greater than applied for have caused a spike in policies not taken or accepted by one or both of the insureds. ...

As you've all experienced, the majority of your clients who are couples come together as a packaged deal.  So what happens when a couple applies for a LTCi policy and only one is approved? In most cases, the spouse who received the green light may no longer want a policy with a carrier who rejected...

Developing a plan for an entire year can be a daunting task.  With so many days ahead of you, it's easy to get sidetracked and let a few months of inactivity slip and sabotage your success.  It's time to take a more disciplined approach. Stay Motivated All Year Be sure to write down your business...

In the competitive world of financial services, business professionals are always looking for ways to add value to help differentiate themselves. In a market of one-stop shopping, becoming the local LTC resource can help you stand out in the crowd. Build Your Brand Develop relationships by contacting...

Most people envision themselves living a long life, investing and planning throughout their working years to create a financially secure future where they can enjoy spending time doing their favorite things. As part of your client’s financial planning process, it’s important to understand the potential...

There are numerous people you know that need Long-Term Care Insurance, many of them include your current clients.  Perhaps you have already sold them a Life Insurance Policy, yet how do you get them interested in LTC? Cross Selling can be difficult, yet when you present your client with information...