How many times have you heard clients' concerns about the cost of Long-Term Care Insurance?  It is the single most common objection, but this objection can be overcome by understanding the underlying issues at work here. If your clients are like most, they do not think they will ever need LTCI, and they...

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...

While it may seem counterintuitive, purchasing Long-Term Care (LTC) in a down market is actually more important than ever. A well thought out, written plan for LTC not only provides clients with protection for the future, it also enables them to help protect their remaining savings and assets. Interestingly,...

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...

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...

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...

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...