The “younger” segment of the LTC Insurance market (people age 45-55) represents a great opportunity to expand your business. But to be successful, it’s critical to understand their unique needs and concerns around buying coverage. Doing so can help you to anticipate and overcome objections, present...

Originally, the primary reason LTC Insurance was created was because it would help cover the high costs of a nursing home.  But over the years, the policies have changed dramatically. Now LTC Insurance is a comprehensive product that helps cover the cost of a variety services. Consider the real-life...

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...

When meeting with clients to discuss the benefit that a Long-Term Care (LTC) Insurance policy has on their overall financial plan, tax deductions might not be the first thing you emphasize, but should be one of your top five discussion points. Taking the time to explain the tax advantages may provide...

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...