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 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 conversations...

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...

There is an unsubstantiated story that after receiving the Nobel Prize for Peace in 1979 Mother Teresa asked how much the medal, with its four-plus ounces of gold, was worth. One might be put off by such a mercenary inquiry had it not come from the founder of the Missionaries of Charity whose 4000...

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 and his/her...

Some of America’s most beloved and recognizable faces — Maria Shriver, Rob Lowe, Maggie Gyllenhaal, Zach Quinto, Angela Bassett and Jim Nantz — encourage having 'the talk' now versus later. While the conversation is not exactly an easy one to have, a discussion of Long Term Care planning with...

Asset Based LTCi is designed to help protect your clients’ assets by using the safety of whole Life Insurance. With a guaranteed premium, your clients will receive a guaranteed amount of Life Insurance that can be applied to their LTCi expenses. Your premium is also credited with a minimum guaranteed...

According to a recent Nationwide survey, 80% of the American population over the age of 50 are worried how an extended health event will affect their retirement savings. Americans are starving for knowledge and assistance when it comes to putting a Long Term Care plan in place, but are unsure where...