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...

While educational seminars or direct mail campaigns are good lead generation tools, these campaigns can be costly and usually take time to yield considerable results. So how can you build momentum and grow your Long-Term Care Insurance business without breaking the bank? Follow these 3 simple steps: ...

A Controlled Executive Bonus Plan, also known as a Restrictive Executive Bonus, or Section 162 Plan, is an agreement between an employer and its key employee(s) to provide a death benefit, supplemental income, and now includes long-term care benefits. The employee applies for and owns the life insurance...

Finding reasons why your clients need LTCi can be a challenge.  You want them to understand the importance and need for the product, and also how it can impact them and their family. Ask these 3 questions to your prospective clients to drive the point home on why having a LTCi policy is so important. 1....