As an emergency medicine physician for 20 years, including the past 12 years working in a large, level 1 trauma center, Dr. Monica Williams has seen innumerable patients and families facing long-term care challenges. As the Medical Director for Advance Care Planning and End of Life Education for the third-largest community-owned hospital system in the United States, she has spent a portion of her career talking to doctors about how they can have effective advanced medical planning and end-of-life conversations with patients and families.
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The recent stock market run (especially in tech stocks) has been amazing. Despite the high unemployment rate, many investors are enjoying that feeling of increased net worth in both their qualified and non-qualified money.
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The last several years have seen major changes in LTC Insurance - leading to what can be referred to as LTC 2.0. LTC 2.0 means that while the pure protection of traditional LTC insurance is still a popular option, there has been an accompanying growth in Hybrid LTC + Life plans - both in number of policies sold and number of carriers offering these plans.
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Many clients find that the best way for them to plan for LTC is by purchasing a linked life/ltc plan. Compared to traditional LTC policies which provide pure long-term care protection (and the most LTC protection per premium dollar) linked Life/LTC trade off some of that leverage to provide guaranteed premiums and a life insurance benefit.
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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?
View a sample of a corporate resolution. For the full version of the document, please contact ARM.
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Webinar: The Surprising Similarities Between Traditional LTC and Some of the New Life/LTC Plans featuring Tom Riekse
There are many misconceptions among consumers and advisors about both traditional LTC and Linked Life/LTC Plans. This webinar will discuss how the new combination Life/LTC plans can be very similar to traditional LTC plans and visa versa. Learn about the list of similarities between how the products work, the three key differences between the types of products and why meaningful benefits can be affordable for a wider consumer market.
Ash Brokerage/Target Ins. know it can be challenging to start “that” conversation. When discussing extended care need preparations, it is important to consider the impact that your client’s care plans could have on the entire family. Advisors can guide clients by anticipating the children's concerns and helping clients prepare to address them. This flier offers common objections, and ways to answer them. Contact Chad Eyrich directly for more information by going to LECP.NAIFA.ORG/ subscribe.
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.