Your clients often think they will not be among the 75% of people who need Long-Term Care sometime in their life.  They put it off thinking they don’t need to purchase protection until it actually happens to them. Unfortunately, waiting to purchase coverage could mean they pay higher premiums or they...

If you have older clients sitting on nonqualified assets — especially clients who may have difficulty qualifying for traditional long-term care insurance — there’s a smart strategy to help them get the protection they need, without incurring tax penalties or risking legacy planning. For clients...

Long-Term Care Insurance is an emotional sale.  There’s a growing trend that shows many people who purchase a policy do so because they know someone who needed LTC.  They heard first-hand accounts of the importance of a caregiver, the high cost of LTC services and the impact that can have on a family. Some...

If you are new to the Long-Term Care market or you only sell a few policies a year, it is time to focus your energy on a product that has a lot of potential.  Here's why: People need it LTC Insurance helps people pay for services they may need due to a prolonged illness, accident or the simple process...

Asset Based LTCi is designed to help protect your clients’ assets by using the safety of whole Life Insurance. With a guaranteed premium, your clients will receive a guaranteed amount of Life Insurance that can be applied to their LTCi expenses. Your premium is also credited with a minimum guaranteed...

The Situation Your client understands the need for Long-Term Care Insurance (LTCi), but feels the premium is too costly - they want the policy, but can’t afford the premium. The Sales Solution With all the options available on LTCi products, you can help your client “dial down” the premium to fit their...

Women often try to find the right balance between juggling careers, spending time with family, and caring for loved ones. With women living longer, and providing more caregiver services, they become more vulnerable to long-term care issues. Now is the perfect time to increase your focus on existing...

Some of America’s most beloved and recognizable faces — Maria Shriver, Rob Lowe, Maggie Gyllenhaal, Zach Quinto, Angela Bassett and Jim Nantz — encourage having 'the talk' now versus later. While the conversation is not exactly an easy one to have, a discussion of Long-Term Care planning with...

Selling Long-Term Care Insurance to small business owners is not like the emotional roller coaster sale it is when selling to individuals.  Business owners tend to look at this as a logical discussion of how you can help with their business finances. Many are always looking for a way to save on taxes...

No can predict the future, but if the need for long-term care should arise, how much would it cost - and how would your client pay?  The Alzheimer’s Association estimated end-of-life care costs in 2016 were between $217,820 and $341,651. Simply put, long-term care is expensive. Common long-term...