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 Long-Term Care Insurance (LTCi) policy and only one is approved? In most cases, the spouse who received the green light may no longer want a policy...

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...

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...

There are numerous people you know that need Long-Term Care (LTC) 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...

Although people that are approaching retirement age are great candidates for Long-Term Care Insurance (LTCi), there is a rising trend in younger people purchasing a policy to protect their future. According to the American Association for Long-Term Care Insurance, 26% of LTCi policies are sold to people...

When you approach clients about Long-Term Care Insurance (LTCi), be sure to ask where and how they would like to receive care should the need arise some day.  Chances are, they’ll want to stay at home. 65% of long-term care is provided in the home - either in the home of the person receiving care...

Do your clients have “idle money” you don’t know about? Perhaps they have some emergency funds sitting in savings, money market or a CD, and it’s just not working as hard for your clients as it could. Do your clients have money that could be better used to help them plan ahead for the risk...

Everyone knows what cash can do.  Use this simple concept to demonstrate the value of purchasing a Long-Term Care policy that includes a built-in cash benefit. Take out a piece of paper and write on it vertically: A, B, C. A is for Assets When the need for Long-Term Care first arises, many people...