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”...

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...

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...

If everybody knows referrals are a good way to find prospective clients, why does asking for them seem so hard? Many producers think a request for referrals will come across as imposing or rude.  But think of it this way: asking clients for names of people who are just like them actually can be considered...

Some carriers like to claim that your clients don’t need Long-Term Care (LTC) protection beyond the average length of a care need.  But preparing for only the average length of a care need can leave a large gap. The Story of Averages The average length of an LTC need is typically longer for women...

Client’s today are looking for solutions with complete flexibility that solve multiple needs, for a number of different situations.  Often times, the client is searching for a “perfect” solution that guarantees a winning scenario in all circumstances. For those exceptionally competitive clients,...

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...

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 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...