Long-Term Care (LTC) is often perceived as a difficult subject to discuss, but the ultimate goal - financial security - is the same as with any other type of insurance or investment that you currently offer your clients. Don’t let the topic of long-term care intimidate you out of a potential sale. The...

Over the years, we have been able to recognize and identify trends across the long-term care market.  While the cost of 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...

When planning for retirement, most people take stock of their expenses to ensure they have enough income to live comfortably.  But many fail to consider the significant price of long-term care services. The average cost of nursing home care is approaching $80,000 a year. Making it easy to see how a long-term...

Multi-life LTCI continues to be one of the leading sales opportunities in the long-term care insurance marketplace today.  Usually the hardest part of making a sale is finding the prospect, however, a multi-life prospect might be as simple as opening your client files. Chances are, you already have...

Tax season is in full swing - people across the country are in the midst of preparing and filing their returns. But did you know it's also an opportune time to talk to your clients about the vital importance of Long-Term Care Insurance? There are numerous tax-related benefits that come with LTCi. For...

Consumers today have more choices than ever before when it comes to funding traditional long-term care services. While other funding vehicles may be good options for some people, a traditional LTCi policy continues to be the best option for many of your clients. Many current LTCi policy holders share...

A caregiver contract is when relatives are hired to take care of their disabled or aging family members.  It is usually drafted by an attorney and specifies the caregiver's duties and the length of contract (usually the elder's lifetime).  Caregiver payment can be made either in lump sums or installments. How...

Increasingly, people are recognizing the need for Long-Term Care (LTC) Insurance earlier in life. Since your clients may purchase a policy 20 to 30 years before they might need to use their benefits, it’s important to consider inflation protection when you design their Long-Term Care Insurance plan. Inflation...

One reason why you need to bring up the topic of Long-Term Care with your clients: family. Past history has shown us that parents who do not plan adequately for their long-term care needs ultimately end up sacrificing their income, assets and financial promises that they have made to pay for their...

November is Long-Term Care Awareness Month - a time to raise awareness about the importance of LTC Insurance, and how it impacts the financial future of millions of Americans. According to the LIFE Foundation, about 70% of people over the age of 65 will require some sort of Long-Term Care during their...