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

The great opportunity in hybrid products

For those clients and prospects who object to  stand-alone LTCI policies, properly presented  hybrid products can be very convincing. Any agent who has sold long-term care insurance has heard these objections before: “That’s too expensive.” and “What if I don’t use it?” In fact, about two years ago, I was creating a financial plan with … Continue reading

The flexible long-term care plan

When used creatively, combo products can ensure your clients’ long-term care needs are covered, whatever might happen down the road. It may not be detectible to everyone quite yet, but there’s a seismic shift happening among consumers and their financial professionals when it comes to preparing for long-term care. If you haven’t looked at asset-based … Continue reading

LifePlans: Jobs may help LTCI applicants

The consumers who applied for private long-term care insurance (LTCI) and get it may be much more likely to have jobs than the rejected applicants are. Denise Liston, a vice president at LifePlans, presented data supporting that argument in a presentation she gave at a recent session at the AALTCI Summit — an LTCI industry … Continue reading

DAI’s LTCi Newsletter for December 2012

http://myemail.constantcontact.com/DAI-s-LTCi-Newsletter-for-December-2012.html?soid=1101728984258&aid=8APaVe2D934.