There are numerous people you know that need Long-Term Care Insurance, many of them include your current clients.  Perhaps you have already sold them a Life Insurance Policy, yet how do you get them interested in LTC? Cross Selling can be difficult, yet when you present your client with information...

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...

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...

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? ...

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...

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...

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...

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. Do your clients have money that could be better used to help them plan ahead for the risk...

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...

Originally, the primary reason LTC Insurance was created was because it would help cover the high costs of a nursing home.  But over the years, the policies have changed dramatically. Now LTC Insurance is a comprehensive product that helps cover the cost of a variety services. Consider the real-life...