How innovative producers are using today’s hybrid products

By Charles K. Hirsch, CLU From the December 01, 2012 issue of Life Insurance Selling. Charles K. Hirsch, CLU, is a contributing editor at Life Insurance Selling. In this dynamic year for long-term care insurance products, a lot of agents have added the relatively new hybrid products to their sales portfolio. These products, which either combine … Continue reading

How should you handle the shift to gender-based LTCI pricing?

Like life insurance and car insurance before it, some LTCI policies will start charging different rates based on gender. Here’s how you, and your clients, can deal with the change. By Allison Bell from the November 1, 2012 issue of Life Insurance Selling • Allison Bell, Health Insurance Channel Editor. This is not an … Continue reading

LTCI: Finding success in the LTCI market

The Essential Guide Despite the volatility in the long-term care insurance (LTCI) market, Meredith Pensack, CLTC, has continued to thrive. As owner of Long Term Care Insurance Planning in Newton, Mass., she’s consistently placed highly in the American Association for Long-Term Care Insurance annual sales rankings and is a member of the Million Dollar Round … Continue reading

Don’t Allow Term to Lapse Without Taking a Second Look

Many producers are unaware that convertible term policies on seniors age 65 and above represent some of the best prospects for life settlements. Failing to take a look at these policies, before they are allowed to lapse, could be a significant missed opportunity for clients. Term insurance is often bought for only a temporary need, … Continue reading

Is 2012 LTCI’s year?

To help you determine if this is the year for you to add long-term care insurance to your offerings, a noted LTCI expert explores some of the key issues and recent developments. Plus, the four steps to designing a plan. 2012 is the perfect year to start selling long-term care insurance (LTCI). More than ever … Continue reading