Getting your clients to talk about Long-Term Care (LTC) can be very challenging.  Many clients don’t believe that it will happen to them.  They are under the impression they will not be among the 70% of Americans who need LTC at some point in their life. So how do you get people interested and talking? ...

If statistics alone sold Long-Term Care Insurance policies, industry sales would be growing exponentially year after year.  However, clients take in more than just the numbers - their decision-making process doesn’t rely solely on statistics. In order to ignite desire in a client, an advisor must...

Looking for a life-based long-term care product that can cover two people under one policy?  Sometimes clients are unsure whether or not they need protection – and may want to cover their spouse instead. Kill two birds with one stone with a joint life product, which not only protects your client...

While the cost of long-term 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 to be aware of the associated costs in order to build a better asset protection plan. Consider...

No can predict the future, but if the need for long-term care should arise, how much would it cost - and how would your client pay?  The Alzheimer’s Association estimated end-of-life care costs in 2016 were between $217,820 and $341,651. Simply put, long-term care is expensive. Common long-term...

Most of you know how to start the conversation about Long-Term Care planning with your clients, but are you making it a priority to actually have these discussions on a regular basis? Consumers Are Acknowledging the Need According to a recent survey conducted by one of our Strategic Carrier Providers,...

Eat your cake and have it too Clients today are looking for solutions with the flexibility to handle multiple financial needs in a variety of potential scenarios.  A common complaint about Long-Term Care is many clients feel the likelihood they should have an extended health care event is zero. Traditional...

You can use a flexible Asset Based solution which allows for affordable premium payments overtime while retaining flexibility for your client. With a $6300 annual premium for a 10 year period, the client secures a guaranteed death benefit, guaranteed cash surrender value, and a tax free million dollar...

Research shows that most clients value three distinct priorities in creating a plan to address long-term care costs: Flexibility Protecting and growing their portfolio Minimizing the impact of care on their family Identifying your clients' top priority and primary concern will help you implement...