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.
3 min read
New Premiums Increasing on Hybrid Life + LTCI Plans
Topics: Life Insurance & Annuities Planning in Advance Limited & Extended Care Planning Center
6 min read
What You Should Know About Life Insurance Settlements
If you have a client who can’t afford their policy – especially if it’s due to health problems – you may want to help them look into a life settlement. Of course, this leaves them without any death benefit protection, which isn’t ideal. But if they either don’t need the coverage or have no financial option but to let it lapse, a settlement may be the ideal solution.
Topics: Long-Term Care Life Insurance & Annuities
2 min read
Life Insurance Trends 2020
If these past few months have taught us anything, it’s that trend-forecasting is an inexact science. We’ve all known for at least the past two decades that technology would continue to change our world, seamlessly integrating itself into our daily lives until almost everything can be ordered, viewed, or accomplished digitally. But very few of us could have predicted just how much, and how quickly, we would have to adapt to a world where working from home, video-chatting with doctors, and ordering groceries was not only an option but a necessity. It’s changed the way we conduct business – so much so that many industries, like life and health insurance, have been forced to reevaluate their relationship with tech to meet the demand of advisors and clients alike. They’ve begun to realize that technology is not just a trend they must grudgingly dip their toes into but an opportunity to dive in head first for total transformation. Keeping all that in mind, here are the most notable trends that insurance agents should be aware of.
Topics: Life Insurance & Annuities Limited & Extended Care Planning Center
1 min read
Industry Survey on Long-Term Care Now Underway
NAIFA has been selected as a survey partner to Oliver Wyman along with NAILBA and BrokerWorld to undertake an industry-wide research study on the state of sales of long-term care products. The survey is entitled "Long-Term Care Insurance Planning Survey: Who’s Selling What to Whom, How and Why?" and seeks to understand how the landscape has changed through COVID-19.
Topics: Sales Long-Term Care Life Insurance & Annuities Sales & Marketing
3 min read
LECP Webinar: Proven Approaches and Techniques Using Traditional Long-Term Care and Hybrid Life Insurance
Denise Gott, CLTC, is CEO of ACSIA Partners
Topics: Long-Term Care Life Insurance & Annuities Long-Term Care Insurance Limited & Extended Care Planning Center
3 min read
Webinar: Increasing Options for Extended and LTC Planning
Featuring Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI
Topics: Long-Term Care Life Insurance & Annuities Limited & Extended Care Planning Center
3 min read
Annuities and LTC Insurance: Two Case Studies in Planning
Annuities can be an important part of long-term care planning, Tom Riekse, ChFC, CLU, CEBS, Managing Director at LTCi Partners, told attendees of NAIFA’s Limited and Extended Care Planning Center webinar. “Unfortunately, there has probably not been as much emphasis on how they can work together in a plan for care as there should be based on some of the great benefits available.”
Topics: Long-Term Care Life Insurance & Annuities
What is the Secondary Market Potential for Life Settlements?
Topics: Life Insurance & Annuities Benefits Funding
3 min read
Life Settlements: Understanding the Life Insurance Secondary Marketing and its Value to Consumers
NOTE: The following is an excerpt taken from the most recent whitepaper released by author and former industry lobbyist, Chris Orestis, Executive Vice President for GWG.
Topics: Life Insurance & Annuities Consumers
Broker Tools- Annuity Review Worksheet
An annual annuity review makes smart business sense for you and your clients! The reasons your clients originally purchased an annuity may have changed over time, so it’s important to make sure the type of annuity held matches the intended use.
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