While the cost of long-term care among all providers has increased, the cost of facility-based care has grown at a much greater rate than home care. While your clients have more choices than ever before, it is vital to be aware of the associated costs in order to build a better asset protection plan. Consider...

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...

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...

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...

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...

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...

When engaging prospective clients in Long-Term Care planning discussions, many financial professionals focus on asset protection at the expense of other valuable benefits that LTC Insurance provides. Because LTC planning can be a very emotional process for people, it’s important to be cognizant of the various...

Most of you know how to start the conversation about Long-Term Care planning with your clients, but are you making it a priority to actually have these discussions on a regular basis? Consider this: Consumers Are Acknowledging the Need According to a recent survey conducted by one of our Strategic...

Are you aware that 70% of people who reach age 65 will need Long-Term Care at some point during their lifetime? While nursing homes and assisted living are popular, there is no place like home - 80% of all LTC is provided in the home, either at the home of the person receiving care or at the home...

Highlighting the cost of care can be a powerful, yet non-threatening way to engage clients in a LTC planning discussion.  It also can provide a convenient starting point for designing a policy that will meet your client’s needs and budget. Since the future estimated average cost for multiple years...