There is and likely will always be a debate between what’s better: “optimistic” or “realistic” thinking. When it comes to retirement and aging, it’s beneficial to have both mindsets. To look forward to the enjoyment of the golden years while recognizing the need to plan ahead for rainy days.
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Recently I received an email from a Insurance Carrier who sells Linked Life/LTC plans with the headline "What happened to traditional LTC?". The email started by saying "It wasn't so long age that traditional long-term care (LTC) insurance dominated the market, but now they are barely holding on while linked-benefit products are taking over." Harsh!
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Luckily, you aren't going to need years and years of high cost long-term care. But what if you did?
LTCI gives employers the opportunity to reinvest recent tax savings in top employees. Learn more by watching the video below.
Do your clients need help deciding between Stand Alone and Combo products? Use this decision tree to assist in their decision.
LECP Executive Director Carroll Golden discusses Lifestyle Planning with Claude Thau in detail. When should you buy LTC? What role does a client's health play in pricing?
It is sometimes very effective to use a questionnaire to start the conversation about preparedness or qualifying for extended or long term care. Or, use this questionnaire with your clients to help you determine which product and design to recommend for them. ASH Brokerage has many tools so contact them for the ones that will help you to grow your practice.