This booklet is an excellent tutorial on the issues surrounding long-term care and funding options including long term care insurance. Published by the National Association of Insuance Commissioners (NAIC), it is required by most states that any consumer considering buying long-term care insurance be given this guide.
Kiplinger LTC Workbook
A comprehensive overview in one concise easy to read booklet. The booklet starts with a brief LTC refresher course, next it discusses the costs, including a table of all 50 states, then moves to who pays for care, the role of LTCI, when to buy, and wraps up with how to compare policies.
Most people significantly underestimate the cost of an extended health care need and overestimate the role of Medicare. Help educate your clients by utilizing the Kiplinger Workbook and online video. We truly believe you will see an increase in your sales.
Consumer Guide to LTCI
AHIP (America’s Health Insurance Plans) Consumer Guide to LTC Insurance provides overview of long term care in general and of what consumers should look for in an LTCI policy.
Consumer Friendly Websites
This award-winning video from Kiplinger.com, sponsored by John Hancock, explains why individuals might want to include long-term care insurance in their retirement plans. Also links to different informational resources about planning for an extended health care need.
New consumer-friendly website through AHIP (America’s Health Insurance Plans), gives consumers basic information about long-term care insurance. Also includes videos that feature real-life stories from current policyholders, an interactive online quiz, and additional resources on long-term care insurance.
Long-Term Care Awareness Month
LTC Awareness Month is a campaign designed to get Americans thinking about their future long-term care needs and how to protect their retirement, independence and family. Now is the ideal time to start reaching out to prospects and clients to discuss their planning for long term care expense and the benefits of LTC insurance.
LifeBrokers encourages you to use October and November to leverage the LTC Awareness campaign. Below are a few prospecting letters and the Producer’s Guides To Long-Term Care Awareness Month by AALTCI and Agent’s Sales Journal. Bothcan help you both educate your clients and increase your sales.
Producer’s Guide to LTC Awareness Month
Awareness Month Marketing Letters from AALTCI
Prospecting Letters from Carriers
Reprint Articles Made Available by John Hancock
Articles from various publications including The Wall Street Journal have become exceedingly popular for agents to use in prospecting and educating their current clients. A great article to use with younger clients is “When Alzheimer’s Hits at 40 – Early Onset Sufferers Juggle Children, Job and Dementia” by Shirley Wang. The article discusses the harsh reality of Alzheimer’s, which affects an estimated 5.2 million Americans and as many as 10% are diagnosed under the age of 65. Below are additional articles helpful in educating clients about the cost of an extended health care need, as well as, the emotional and financial impact on themselves and their famiies.
A reprint article that discusses what happens when Alzheimer symptoms begin at 40 years old.
The article encourages people to start planning in their 50’s for a long-term care event and takes on the most common objections to purchasing a policy.
A reprint article that offers helpful information about when to buy, as well as, which benefits and elimination periods make the most sense for a budget-friendly policy.