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New IUL Infographic

Posted by LTCi Team on Jun 20, 2017 in
Take a quick look at why you might want to consider an IUL instead of a GUL.

Protective ExtendCare Rider now available with more products

Posted by LTCi Team on Jun 7, 2017 in
Protective Life Insurance Company is please to announce that their new ExtendCare Rider is currently available with their Investors Choice VUL and Strategic Objectives VUL products. Key features to consider: Removal of the permanent loss of two Activities of Daily Living (ADLs) requirement—there...

Upcoming LTCi Webinars From Carriers

Posted by LTCi Team on May 24, 2017 in
  Wednesday, May 24, 2:00 pm CT: LTCi Operations: How Policies Get Issues...A Behind-The-Scenes Look Join Mututal of Omaha May 24 at 2:00 CT for a comprehensive look of what happens after your client purchases an LTCi policy. Click here to register.   Thursday, May 25, 2:00 pm...

It’s Long-Term Care Insurance Awareness Month

Posted by LTCi Team on Nov 2, 2016 in
Learn about this important coverage: http://lifehap.pn/1haLqT9

Infographic: Family Caregiving

Posted by LTCi Team on Aug 24, 2016 in
Use these powerful infographics from LifeSecure to start a conversation with your clients about LTCi.

Dealing with resistance when caring for the elderly

Posted by LTCi Team on Aug 16, 2016 in
Caring for the elderly can be challenging--but understanding their resistance and learning how to encourage cooperation can help.

How Clients Want to Plan for an LTC Need Today

Posted by LTCi Team on Jul 20, 2016 in
Find out more about how clients want to plan for a possible long-term care need, and what they are looking for when it comes to information. The July 2016 issue of Broker's World shares insights in Marc Glickman's article, Willy Wonka and The LTCi Factory.

Why it’s so important to buy long-term care insurance

Posted by LTCi Team on Jul 18, 2016 in

How consumers want to plan for an LTC need today

Posted by LTCi Team on Jul 18, 2016 in

2016 Alzheimer’s Facts and Figures Available

Posted by LTCi Team on Jun 28, 2016 in
The Alzheimer's Association recently published their 2016 Facts and Figures Study, discussing causes of Alzheimer's and other forms of dementia. In a special section, the report talks about the impact Alzheimer's has on personal finances, and how those diagnosed with dementia are cared for.  Click...

Worksite Fliers to Keep in your Portfolio

Posted by LTCi Team on Jan 31, 2016 in
Keep these fliers handy to use in conversation with a prospect you meet in a casual setting (in an elevator, restaurant, hair salon, etc).   Employers LTC Risks: Are you employer clients aware of their long-term care exposure and their opportunities to address such risks? This flier addresses...

Range of Exposure Tool

Posted by LTCi Team on Jan 25, 2016 in
Range of Exposure ToolLoading... (allow a few minutes to open; make sure you allow pop ups) jQuery(window).on("load",function(){ jQuery("#trk_roe").on("click",function(){ jQuery("#trk_roe").hide(); jQuery("#trk_loading").show(); let loc = 'https://targetins.com/wp-content/themes/Flexible-child/includes/trackROEDownload.php';...

November is LTC Awareness Month

Posted by LTCi Team on Nov 11, 2015 in
Visit the LTCi/Combo product section to find statistics and materials focused on starting an LTCi conversation with your clients. The Newsletters and Carriers tab has webexes, newsletters, brochures, and more. Target Insurance Services has also created pieces designed to get your clients thinking...

John Hancock’s “PerformanceLTC” is a game-changer and they’re incenting you to take a look at it before year-end!

Posted by LTCi Team on Oct 1, 2015 in
We love John Hancock’s new PerformanceLTC product, which is designed to produce the lowest cost for clients!  Yes, it is a little different, but it is worth learning about and you will get an additional 20% of first-year paid premium for all cases submitted to John Hancock by December 31, 2015, even...

Long-Term Care Insurance 101

Posted by LTCi Team on Jul 6, 2015 in
Long-term care insurance (LTCi) is a way to transfer the risk of a long-term care need from your client to the insurance company. The big questions then become how much risk your clients want to transfer, and how much it costs to do so. Because there are a lot of moving pieces, it can seem like a...

Life/LTCi Combo/Hybrid

Posted by LTCi Team on Jul 6, 2015 in
As brokers have observed changes in the LTCi industry, including past rate increases and carriers leaving the market, some have looked for alternatives to traditional LTCi. They want something that addresses the client concern of “use it or lose it.” Combo/hybrid products can be a solution. What...

Nationwide Newsletters

Posted by LTCi Team on Jul 2, 2015 in
    August 8, 2017: For your clients' choosing long-term care side July 24, 2017: CareMatters benefit estimator June 23, 2017: CareMatters offers flexible long-term care benefits June 7, 2017: CareMatters available in NY May 25, 2017: Help your clients live where they're most...

State Life (OneAmerica)

Posted by LTCi Team on Jul 2, 2015 in
  September 11, 2017: Interest rate change for Indexed Annuity Care, effective September 15, 2017 September 5, 2017: Don't Forget: Promote the newest OneAmerica Care Solutions campaign! April 19, 2017: Building Connections: Short video story about relieving family caregivers August...

LifeSecure

Posted by LTCi Team on Jul 2, 2015 in
May 26, 2017: Discontinuation f new LTCi case setups--effective immediately November 16, 2016: 3 questions about multi-life LTCi October 10, 2016: All individual LTCi apps must be submitted by October 31, 2016 September 13, 2016: LTCi UW: Assisting diabetic clients June 2, 2016: Underwriting...

LTCi Opportunities That Won’t Last

Posted by LTCi Team on Jul 1, 2015 in
Two more reasons to look at John Hancock’s Performance LTC product (including a 10% Bonus on sales). John Hancock’s improved Captivate program provides need analysis, illustration of Performance LTC (including seeing what happens under different scenarios of interest rates and claims) and an...

Census Form

Posted by LTCi Team on Jun 25, 2015 in
Use our blank census as a guide for the information the carriers are looking for when you submit a multi-life case. A census must be submitted with the group request form. We will also use the information on this form to analyze the group demographics and determine which product will be the best...

Sample of Worksite Quote

Posted by LTCi Team on Jun 25, 2015 in
Use Target’s multi-life analysis tool to determine which carrier is correct for your client. In addition to showing you samples of different carrier rates, the tool will allow you to change states, rate class and marital status right in front of the employer. You are also able to customize your own...

Group Request Forms

Posted by LTCi Team on Jun 25, 2015 in
Transamerica requires a service group request form and a completed census for a worksite case to be approved. Both forms are below. The census to be submitted for approval includes more information, including hire dates and salary levels. Completed forms can be e-mailed to us here, and we will help obtain...

Who is a good candidate?

Posted by LTCi Team on Jun 25, 2015 in
The short answer is any small business that is making money and wants to reward its key executives. Although some industries come readily to mind, such as attorneys or engineering firms, don’t discount any business until you talk to us. In addition to multi-life cases with simplified underwriting,...

Scheduled 2017 Target Insurance LTCi WebExes

Posted by LTCi Team on May 12, 2015 in
Join our WebExes to learn more about our tools. The first Thursday of each month will cover how our individual LTCi topics, including demonstrating our two propriety software programs. The second Tuesday will cover combo/hybrid LTCi/life policies, the third Thursday will cover worksite LTCi and the fourth...

State variations

Posted by LTCi Team on May 12, 2015 in
Each product is approved individually in each state. Some states have joined together to form a compact, in which they approve the same benefits for the product. Others, however, maintain their individual state laws. The links below help you to determine which products are available in your state, and...

Links to State Websites

Posted by LTCi Team on May 12, 2015 in
Click on your state for information on LTCi programs. Where available, the link provided is for the state’s Own Your Future site, an LTCi awareness program adopted by many states as the DRA Partnership became available. Alabama Arizona California Colorado Connecticut Delaware ...

History of LTCi and Rate Increases

Posted by LTCi Team on May 12, 2015 in
If you’ve sold an LTCi policy in the past several years, there’s a good chance that your client has contacted with you to ask about a rate increase on the policy. And while a rate increase is never the best news for a client, here is some information that can help you explain it to your clients,...

Partnership for long-term care insurance

Posted by LTCi Team on May 12, 2015 in
The Partnership is a potential additional back-end safety net to reward middle-class people who buy LTCi. Prior to the Deficit Reduction Act, Partnerships for long-term care insurance were available only in CA, CT, IN, and NY. Those experimental programs continue to be somewhat different than the...

Carrier Guidelines

Posted by LTCi Team on May 12, 2015 in
It can be challenging to determine which carrier is the best fit. Below is a brief summary of what’s available by carrier for multi-life situations. Ask about possible association discounts as well. Transamerica TransCare II 5 employees required to be eligible for worksite product. ≥10 employee...

Sales Starters

Posted by LTCi Team on May 12, 2015 in
Sales Starters: Sometimes it takes a different approach to turn a prospect into a sale. Some of the ideas below might be just what you need to turn an individual client into a worksite case. Take advantage of upcoming product changes to spur your potential client to action. The market is dynamic...

Tax Information

Posted by LTCi Team on May 12, 2015 in
Purchasing LTCi can offer some tax breaks. While we don’t offer tax advice, we want to alert you to the opportunities available so you can discuss the topic with your tax professional and see if they apply to you or your clients. (You cannot rely on comments herein.  We share our understanding of...

How to build a worksite case

Posted by LTCi Team on May 12, 2015 in
How to build a worksite case You’ve got a prospect for a worksite case, but you aren’t sure how to approach them, what to show them, or even what carrier to recommend. You’re not even sure if they are the right fit for a worksite case. What’s the next step? Target’s developed tools to...

Top 10 Reasons for Worksite LTCi

Posted by LTCi Team on May 12, 2015 in
Use our flier to generate worksite leads. Customize it with your personal information, print it out and carry it with you. Let us know how it works for you, or if you have ideas for similar marketing pieces. For example, a man complains about the impact of Obamacare on his business. You might say...

LTCi Certification & Licensing Links

Posted by LTCi Team on May 12, 2015 in
The Contracting Department is staffed with trained specialists to efficiently process contracting paperwork. Our specialists are available to provide you with assistance in state licensing requirements, LTCi training requirements, appointment status and non-resident appointment requests. Contact the...

Long-Term Care Cost & Benefit Analyzer

Posted by LTCi Team on May 12, 2015 in
Use the LTCi Cost and Benefit Analyzer to get immediate clear, customized, meaningful, numeric value propositions without even calling us. With this proprietary iPad-app-type tool, your clients can, in 15-20 minutes, make a final, informed and well-documented decision about whether to buy LTCi. LTCi...

Combo Quotes

Posted by LTCi Team on May 12, 2015 in
Not sure if combo is a good fit for your client, but wondering how much it costs? MoneyGuard's quoting software allows you to easily enter information to determine if this concept is right for your client. The output includes premiums with and without a benefit increase, the crossover point at which...

Underwriting Guides

Posted by LTCi Team on May 12, 2015 in
A client’s medical history will determine whether or not he or she will qualify for long-term care insurance. Finding out about health conditions, both past and present, medications, height and weight and family history can help us determine which carrier to quote, and at which rate class. The guides...

Medical Questionnaire

Posted by LTCi Team on May 12, 2015 in
Medical information is one of the biggest components of LTCi underwriting. It can be hard to know what conditions carriers are concerned about, what questions to ask, and even what information is relevant. Our Medical Questionnaire is designed to help your clients remember anything in their past...

Lead Generation and More

Posted by LTCi Team on May 12, 2015 in
Leads can be generated from multiple sources. You can purchase them, use referrals, talk to friends and acquaintances, or hold a seminar. You can also use our tools to create leads in unlikely places. Our Fillable Fliers  can turn people you meet riding the elevator or waiting for dinner into a lead....

LTCi Statistics

Posted by LTCi Team on May 12, 2015 in
What is the average age of an LTCi claim? What are the chances of needing long-term care? Do women need more long-term care than men? Below is some statistical information on LTCi, as well as links to other sites dedicated to providing reliable information regarding long-term care. Although we don’t...

Presentations

Posted by LTCi Team on May 12, 2015 in
Presentations  for Consumers and Brokers Future Zone Video  A consumer video perfect to teach clients about the risk of a long-term care need. Self-insuring your LTC risk  This 25-minute presentation is appropriate for someone who is thinking of self-insuring or who is concerned...

Fliers to Keep in your Portfolio

Posted by LTCi Team on May 12, 2015 in
Fliers to Keep in Your Portfolio Keep these fliers handy to use in conversation with a prospect you meet in a casual setting (in an elevator, restaurant, hair salon, etc). You can share one or two points, then give them the flier (which has your contact info) to read while on the elevator, etc. (What...

How much does care cost in my state?

Posted by LTCi Team on May 12, 2015 in
One of the first questions clients ask is “How much does long-term care cost in my area?” Use these studies, conducted by Target and various carriers, to get a general idea of the cost of care in your state. 2016 Mutual of Omaha Cost of Care Survey 2015 Genworth Cost of Care Survey ...

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