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

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.

Who buys LTCI?

LTCI Insider Who should I be targeting for long-term care insurance? What are the surveys and studies showing about who is buying this protection and why? America’s Health Insurance Plans (AHIP) periodically releases a study of the industry. Susan Coronal, executive director, LTC, shared the trade group’s most recent findings from “Who Buys Long-Term Care … Continue reading

The Last Word On LTCI…The Reveal

Let’s begin this month’s great reveal with a reminder of what we are doing and why. There is an astronomical caregiving debt that will come due for baby boomers, and everyone must understand that bill will be paid. As we know, some of it will be passed on to future generations through our ever-expanding system … Continue reading