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Post Searched By: Combo/hybrid

NGL Discount Forms

Posted by acampbell on Jun 27, 2017 in Combo/hybrid
NGL Offers discounts for approved associations and employer groups. The following forms are required, depending on which discount your applicants are eligible for. ELTC Association Discount Form ELTC Certification for Eligibility of Association Group Discount ELTC Employer Group Discount Form ELTC...

New Underwriting Pre-Screen Tool

Posted by acampbell on Jun 21, 2017 in Combo/hybrid
A safe and secure way to gather underwriting information without having to ask health questions. A good pre-qualification can help save a sale! Find out more.

Genworth announces their suspension of All Traditional Life Insurance and Fixed Annuity Sales effective March 7, 2016.

Posted by Gretchen Jabben on Feb 5, 2016 in Combo/hybrid
Stand-alone LTCi sales are not impacted.   In our predictably fluctuating financial market economy we occasionally see changes within the insurance industry which catch us all off guard. We are processing the information from Genworth and waiting on analysis which will provide us with additional...

2016 Alzheimer’s Facts and Figures Available

Posted by LTCi Team on Jun 28, 2016 in Combo/hybrid
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...

Range of Exposure Tool

Posted by LTCi Team on Jan 25, 2016 in Combo/hybrid
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';...

Review More than the Policy – The “Policy Owner” Review

Posted by Life Team on Dec 15, 2015 in Combo/hybrid
It is amazing how many years can go by before the average client gets an annual policy review.  Sometimes, it’s many, and that’s not good for anyone. Life insurance is the largest unmanaged asset anyone ever owns yet it does need regular review. Yet, there is much more to review in a life portfolio...

Life/LTCi Combo/Hybrid

Posted by LTCi Team on Jul 6, 2015 in Combo/hybrid
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 Combo/hybrid
    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...

Scheduled 2017 Target Insurance LTCi WebExes

Posted by LTCi Team on May 12, 2015 in Combo/hybrid
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 Combo/hybrid
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...

Partnership for long-term care insurance

Posted by LTCi Team on May 12, 2015 in Combo/hybrid
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...

Sales Starters

Posted by LTCi Team on May 12, 2015 in Combo/hybrid
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...

LTCi Certification & Licensing Links

Posted by LTCi Team on May 12, 2015 in Combo/hybrid
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...

Combo Quotes

Posted by LTCi Team on May 12, 2015 in Combo/hybrid
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 Combo/hybrid
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 Combo/hybrid
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 Combo/hybrid
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....

Presentations

Posted by LTCi Team on May 12, 2015 in Combo/hybrid
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 Combo/hybrid
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...

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