24 Jan 2019
Posted by Matt Anderson 
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...
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17 Jan 2019
Posted by LTC Sales 
Although people that are approaching retirement age are great candidates for Long Term Care Insurance, there is a rising trend in younger people purchasing a policy to protect their future. According to the American Association for Long Term Care Insurance, 26% of LTCi policies are sold to people age 45 to 54. So...
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10 Jan 2019
Posted by LTC Sales 
When you approach clients about long-term care insurance, be sure to ask where and how they would like to receive care should the need arise some day. Chances are, they’ll want to stay at home. 65% of long-term care is provided in the home - either in the home of the person receiving care or at a family...
Read more → 03 Jan 2019
Posted by LTC Sales 
Getting your clients to talk about Long Term Care 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? The answer...
Read more → 27 Dec 2018
Posted by LTC Sales 
Everyone knows what cash can do. Use this simple concept to demonstrate the value of purchasing a Long Term Care policy that includes a built-in cash benefit. Take out a piece of paper and write on it vertically: A, B, C. A is for Assets When the need for Long Term Care first arises, many people...
Read more → 20 Dec 2018
Posted by LTC Sales 
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...
Read more → 13 Dec 2018
Posted by LTC Sales 
Do your clients have “idle money” you don’t know about? Perhaps they have some emergency funds sitting in savings, money market or a CD, and it’s just not working as hard for your clients as it could. Simply stated, is this money that could be better used to help them plan ahead for the risk...
Read more → 06 Dec 2018
Posted by CPS Insurance Services 
Right now! Your clients will never be as young or as healthy as they are today. When insurance carriers underwrite a life insurance policy with a long term care rider, they must consider factors that impact both the mortality and also the morbidity risk. As a result, the list of impairments, medications...
Read more → 29 Nov 2018
Posted by LTC Sales 
There is a growing movement among health care providers that underscores something we in the Long-Term Care industry have known for years: helping chronically ill people receive the care they need while remaining in their homes is not only what people prefer, but can also be more cost effective than...
Read more → 02 May 2018
Posted by CPS Insurance Services 
Many people work a lifetime to accumulate assets designed to provide them with a comfortable retirement plus an inheritance for their children. The last thing people want to do is use their assets to pay for the long-term care services they're likely to need. Numbers For Consideration Let's say your...
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Life Insurance 101 In Just Three SheetsAnnuity Rate IncreaseUpgrades In Underwriting