Highlighting the cost of care can be a powerful, yet non-threatening way to engage clients in a Long-Term Care (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...

More often than not, people don’t like to admit they need help with things they once did for themselves.  This often happens with those requiring Long-Term Care, once they need assistance they rely on their family to provide for them. What happens when the family care giver can no longer be of assistance? ...

Long-Term Care can be a tough subject. Often times, you have to do a little detective work to ensure your cases are processed through Underwriting quickly. Here are six things you can do to help uncover important information the underwriter needs to issue your case. Ask about specialty physicians Knowing...

While it’s a common belief that designing affordable Long-Term Care (LTC) coverage may prove difficult, if not impossible, there are ways to ensure manageable costs. An LTC insurance policy is only as expensive as you make it. Flexibility in plan design and product features enables this coverage...

When you meet with your clients to fill out a Long-Term Care application you are faced with asking tough questions.  At times, not all clients feel comfortable telling you which medications they are on or why, or how much they weigh. As an agent, it is your job to be thorough when completing the application...

As baby boomers enter their retirement years, many mistakenly assume government programs will meet their future Long-Term Care (LTC) needs.  But both Medicare and Medicaid have limitations and may undergo significant changes in the face of the growing federal deficit. Now is the time to start having...

“What’s your plan?” That's the question we encourage agents to ask their clients - because when there isn't one, the consequences can be heartbreaking. The New York Times article referenced below addresses the realities of what can happen when there is not a plan in place - through the tragic...

Who will need it and for how long, how much it will cost, the state of the long-term care insurance marketplace, and the toll on caregivers. If there's a single unsolved problem in the retirement plans for many middle and upper-middle-income adults, it's what to do about long-term care costs later in life. Very...

Learning how to adjust to the changing market is crucial to the continued success of your Long-Term Care (LTC) Insurance business. Today’s market reflects an expanding, diverse clientele, so being able to respond to their unique needs and budget constraints is critical.  The first step is to understand...

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...