An unexpected journey

Why LTCI makes sense and how to make it work Long-term care insurance has been a difficult product to sell for some time, and recent events have called its marketability further into question. With several prominent insurers, including Prudential and MetLife, announcing decisions to stop signing new LTCI policies, and with the federal government’s decision … Continue reading

Give Life [Insurance] a Shot!

Health insurance agents, welcome to the life insurance market. With the Supreme Court upholding the Patient Protection and Affordable Care Act, it would seem many of the estimated 100,000 health insurance producers will either diversify their business or leave the health insurance market altogether. Many of you already have seen your commissions slashed up to … Continue reading

Will critical illness insurance take off?

Don’t get caught in the rain Just as is the case with retirement savings, there’s a common theme when it comes to Americans and finances: We’re just not prepared enough. There’s a long list of data telling us we aren’t prepared for a rainy day—or barely even a week from now: A Bankrate.com survey found … Continue reading

Get in on the ground floor

Use LTCI to get new clients and new revenue streams By Philip Abdouch From the May 2012 issue of Benefits Selling Magazine There’s no shortage of bad news for benefit brokers these days. Medical-loss ratio calculations and health exchanges are expected to slash the commissions carriers pay agents over the next few years. Federal subsidies for … Continue reading