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LTC Conversation Guide

Posted by acampbell on Mar 14, 2019 in LTCi
When it comes to understanding how to plan for long-term care, the first step can be the hardest. This new LTC Conversation Guide from Ash Brokerage makes that first step simple. In addition to talking points to start the discussion with your clients, this guide provides information on client concerns,...

LTCi Awareness Month Starts November 1

Posted by acampbell on Oct 17, 2018 in LTCi
LifeHappens offers some great tools to get started, like this brochure detailing what you need to know about LTCi.

Hit a Home Run With LTCi Pre-Screening

Posted by acampbell on Jul 17, 2018 in LTCi

1035 Consumer Exchange Information Center

Posted by acampbell on Mar 7, 2018 in LTCi
The AALTCi recently published an excellent consumer guide explaining 1035 exchanges. Click here to read the guide, and call our LTCi Sales Team with questions.  

Webinar Tomorrow: Use of Inherited IRAs to fund Asset Care III

Posted by acampbell on Nov 2, 2017 in LTCi
Join State Life tomorrow to learn how to use inherited IRAs to fund Asset Care III. Register here Inherited IRAs Information

November is LTCi Awareness Month

Posted by acampbell on Nov 1, 2017 in LTCi
And LifeHappens has some great resources!

Sept. 15 Webinar–Learn about State Life’s Asset-Based Portfolio of Products

Posted by acampbell on Sep 14, 2017 in LTCi
Ready to dig into the OneAmerica® Care Solutions product suite? They are excited to offer our Virtual Care Solutions University webinar series! Join them Friday, Sept. 15 at 1 p.m. ET for an overview of the Care Solutions product suite and how to navigate the options with your clients. Care...

NGL Discount Forms

Posted by acampbell on Jun 27, 2017 in LTCi
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 LTCi
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.

It was great to join you in Dallas for Cambridge’s Ignite Conference!

Posted by acampbell on May 27, 2017 in LTCi
Follow-up information from Claude Thau: It was nice to chat with all of you at Ignite! in Dallas.  Admittedly, I don’t always remember what I discussed with each individual.  Even if I do remember, you might be interested in something we did not discuss. So, you can choose from the following...

Upcoming LTCi Webinars From Carriers

Posted by LTCi Team on May 24, 2017 in LTCi
  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...

LTCi Claims Materials from Mutual of Omaha

Posted by acampbell on Feb 1, 2017 in LTCi
If you've ever wondered about the claims process for LTCi, Mutual of Omaha has developed some agent training pieces to help you get up to speed. Click on Agent Guide or the Brainshark tutorial to learn more.  

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

Posted by acampbell on Feb 5, 2016 in LTCi
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...

It’s Long-Term Care Insurance Awareness Month

Posted by LTCi Team on Nov 2, 2016 in LTCi
Learn about this important coverage:

Infographic: Family Caregiving

Posted by LTCi Team on Aug 24, 2016 in LTCi
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 LTCi
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 LTCi
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.

2016 Alzheimer’s Facts and Figures Available

Posted by LTCi Team on Jun 28, 2016 in LTCi
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 LTCi
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 LTCi
[roa]   Long-term care (“LTC”) needs can create a wide range of costs. People commonly ask about the “average length of LTC”, but averages are not very meaningful.  If everyone knew they would be average, there would be no insurance industry of any type.  The purpose of insurance...

January 28: The Evolution of Long Term Care & Insuring the Risk – Onsite 1 Hr CE KS/MO

Posted by acampbell on Jan 2, 2016 in LTCi
Join us on Thursday, January 28 at 8:30 am for onsite CE. During this one hour class, Timothy Vannoy, CLU, ChFC, CFP will be exploring how to help clients plan for long term care events. He will be discussing the traditional long term care marketplace and recent events facing the carriers. There...

November is LTC Awareness Month

Posted by LTCi Team on Nov 11, 2015 in LTCi
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 LTCi
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...

Principal Financial requires Direct Deposit of all Commission Checks by October 31.

Posted by acampbell on Sep 17, 2015 in LTCi
For several years, the Principal Financial Group® has encouraged financial professionals to receive all types of payments via direct deposit. It is fast, simple and secure. As we continue to improve the quality of service we provide, we have made direct deposit our approved method of payment. Please...

Educational Opportunities

Posted by acampbell on Jul 27, 2015 in LTCi
July 24, 2018: 1, 2 or 3 hours of Ethics CE; DI CE; 10 Common Life Insurance Planning Mistakes June 26, 2018: DI CE with Rick Cordaro; 4-hour Partnership refresher course June 4, 2018: DI CE; 12 Life Insurance Mistakes that Aren't Cheaper By the Dozen April 12, 2018: 4-hour Partnership refresher...

Target Newsletters

Posted by acampbell on Jul 16, 2015 in LTCi
April 9, 2019: Preview new resources available soon from Ash Brokerage January 24, 2019: 5 Tips for the new year; OPTerm 35 & 40 webinar today; Rising costs of LTCi January 8, 2019: Exciting opportunities for 2019 December 12, 2018: Life product changes; LTC Range of Exposure tool webinar;...

Target Newsletters

Posted by acampbell on Jul 16, 2015 in LTCi
An important part of our job here at Target is to keep our eyes open and pass along to you industry news, sales ideas and other information to help you grow your business. Matt McAvoy, CLU, ChFC, MSFS President READ MORE

Long-Term Care Insurance 101

Posted by LTCi Team on Jul 6, 2015 in LTCi
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 LTCi
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 LTCi
    November 16, 2017: Keys to an effective long-term care conversation October 30, 2017: Informal caregiving and home health care August 8, 2017: For your clients' choosing long-term care side July 24, 2017: CareMatters benefit estimator June 23, 2017: CareMatters offers flexible...

State Life (OneAmerica)

Posted by LTCi Team on Jul 2, 2015 in LTCi
  Apr. 8, 2019: Build your LTC knowledge with Care Solution Webinars Feb. 28, 2019: CareSolutions rate calculator, updated tax tables and LTC tax guide and more January 24, 2019: Care Solutions news December 20, 2018: Happy Holidays from OneAmerica: Care Solution News November 12,...


Posted by LTCi Team on Jul 2, 2015 in LTCi
March 7, 2018: Worksite in a box--everything you need for worksite enrollments! November 15, 2017: LTCi rate increase announcement May 26, 2017: Discontinuation of new LTCi case setups--effective immediately November 16, 2016: 3 questions about multi-life LTCi October 10, 2016: All individual...

LTCi Opportunities That Won’t Last

Posted by LTCi Team on Jul 1, 2015 in LTCi
        READ MORE

Census Form

Posted by LTCi Team on Jun 25, 2015 in LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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 LTCi
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...

Underwriting Guides

Posted by LTCi Team on May 12, 2015 in LTCi
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 LTCi
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 LTCi
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 LTCi
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...


Posted by LTCi Team on May 12, 2015 in LTCi
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 LTCi
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 LTCi
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. 2017 Genworth Cost of Care Survey 2016 Mutual of Omaha Cost of Care Survey 2015 Genworth Cost of Care Survey ...

Using An Annuity to Fund LTC Insurance

Posted by Annuity Team on Apr 17, 2015 in LTCi
Discover a tax free way to pay for long term care insurance using non-qualified annuities. Use the "How To" guide to learn the basics of using the Pension Protection Act of 2006 to make this happen. Then use the __[quick explanation of other two pdfs]. Genworth Brochure: How To Guide - Exchanges...

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