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13 episodes with ltci
Send us a textEver wondered about long-term care insurance options through your employer?
01-22-2025 Brian I. Gordon Learn more about the interview and get additional links here: https://usdailyreview.com/your-ltci-premium-keeps-going-up-but-you-have-options/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ
Roger Loomis interviews Phyllis Shelton about innovative LTC solutions.
12-18-2024 Brian I. Gordon Learn more about the interview and get additional links here: https://thedailyblaze.com/initiative-fails-that-would-have-made-washington-states-public-ltci-initiative-voluntary/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ
I'm excited for this episode, as we have a real-life retiree, Michael Levine, who successfully owned and sold a home healthcare business. Michael spent the beginning of his career in accounting until he and his wife started their company over a decade ago. His knowledge in the home health care space in addition to maximizing the benefits of long-term care insurance is going to be extremely valuable to all of you who are planning for your own retirement as well as caring for aging parents. Some of the topics we'll touch on are: Why homecare? Homecare vs. Medicare Hiring a home care company vs. privately How does Long-term care insurance fit into Home health care? Cost of care, how to decide how much LTCi to buy? Maximizing your LTC policy What if you don't have LTC…and what if our clients are stepping in to care for aging parents I hope you enjoy this one and make sure to share it with a friend or family member who would benefit from this content. -Kevin Resources: Deducting your Long-term Care Insurance premiums Download your free PDF on What questions to ask about your long-term care insurance policy Connect with me here: YouTube Join My Company Newsletter Facebook LinkedIn Instagram Are you interested in working with me 1 on 1? Click this link to fill out our Retirement Readiness Survey Or, visit my website
Scott welcomed Brian Ott to the studio along with Nick Bernatowicz to discuss the importance and intricacies of long-term care (LTC) planning. Brian Ott, RICP, CLTC, is founder and president of 525 Advisors LLC, an independent insurance agency that specializes in asset-based long-term care insurance planning. He is also the host of Long-Term Care Radio which is aired in multiple markets and produced as a weekly podcast. Brian has been recognized nationally as a top producer and continues to build his practice through marketing focused on education.In this episode you'll learn the following: Specialization in Financial Services: The conversation highlights the value of specialization in financial advising, comparing the resurgence of specialized shops like butchers and cheese stores to the need for specialized financial services.Challenges with Long-term Care Insurance (LTCI): LTCI is often avoided due to its complexity and the reluctance of advisors to have personal, emotionally charged conversations. The history and evolution of LTCI from the 1970s to now were discussed.Affluent Clients & LTCI: The discussion explores why affluent clients, often overlooked for LTCI, actually benefit from it due to leverage, tax savings, and efficient asset management. The concept of "asset-based" LTCI is emphasized as a better self-insurance method.Education and Awareness: Brian Ott stresses the importance of educating both advisors and clients about LTCI, noting that personal experiences with long-term care often drive interest and understanding of its value. Connect with Scott on LinkedInConnect with Brian on LinkedInConnect with Nick on LinkedInFor more on The Optimized Advisor Podcast click here For more on 525 Advisors click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning
06-05-2024 Brian I. Gordon Learn more about the interview and get additional links here: https://usabusinessradio.com/whats-the-best-age-to-buy-ltci/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ
02-07-2024 Brian I. Gordon Learn more about the interview and get additional links here: https://usabusinessradio.com/when-ltci-policyholders-make-poor-decisions/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ
Taxes are normally a snooze fest, but the 1035 Exchange has us excited! Find out how this form can help your clients switch certain policies without penalty. Listen to learn more. Read the text version Ask the Agent Survival Guide Podcast! Fill out the form: https://bit.ly/askasg email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Resources: 4 Out-of-the-Box Long-Term Care Insurance Solutions: https://www.ritterim.com/blog/4-out-of-the-box-long-term-care-insurance-solutions/ 4 Ways to Calculate Your Clients' Life Insurance Policy Needs: https://link.chtbl.com/ASG561 Annuities vs. 401(k)s: Examining Differences That Can Matter to Clients: https://link.chtbl.com/ASG506 Life Insurance for Each of Life's Stages: https://link.chtbl.com/ASG365 Identifying Ideal Clients for LTCi: https://www.ritterim.com/blog/identifying-ideal-clients-for-ltci/ There's More to Life Insurance Than Just a Policy: https://link.chtbl.com/ASG560 The Complete Guide on How to Sell Final Expense Insurance FREE eBook download: https://www.ritterim.com/final-expense-ebook/ What to Do If Your Clients Can No Longer Afford Their Permanent Life Insurance Premiums: https://link.chtbl.com/ASG568 References: 26 U.S. Code § 1035 – Certain exchange of insurance policies (Tax Code 1035): https://www.law.cornell.edu/uscode/text/26/1035 The Pension Protection Act of 2006 and How It Still Helps Retirement: https://www.investopedia.com/articles/retirement/06/ppa2006.asp
01-10-2024 Brian I. Gordon Learn more about the interview and get additional links here: https://usabusinessradio.com/should-couples-buy-ltci-together/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ
Did you know that November is Long-Term Care Insurance Awareness Month? NABIP was the driving force behind the 2001 proclamation that established LTCI Awareness Month. LTCI is an area that grows more important every day, with over 10,000 individuals turning 65 daily and about 70 percent seniors requiring some form of long-term care. On this week's episode of the Healthcare Happy Hour, LTC Advisory Group members Lori Martin and Steve Cain sit down with Jamala Arland, senior vice president of LTC Inforce at Genworth. Genworth has the largest bloc of private LTCI business, covering over 1 million Americans. The trio discuss LTCI legislation (from Washington state's program to California's task force considering future legislation) as well as what listeners can do for their LTCI clients.
November is Long Term Care Insurance (LTCi) Awareness Month, and with upcoming holiday gatherings, it's a good time to chat about this important topic with loved ones. In this timely episode, Rick Stewart, CLTC, director of sales, LTC Solutions Center, shares five key tips for financial professionals to ensure sales success with LTCi.
I had the pleasure of having Kevin Sypniewski, CEO of AGIS Network, on Steadfast Care Planning podcast. We discussed the importance of group and work site long-term care insurance for employers and employees. Here are the key topics from their conversation:1️⃣ What's the difference between Group and Worksite LTC insurance? 2️⃣ What size employers can offer LTCi to their employees?3️⃣ What does the process look like for employers to setup LTC insurance for their employees?4️⃣ What are the minimum participation requirements by the carrier? Tune in to the episode to learn more about the differences between group and work site long-term care insurance, as well as the advantages and disadvantages of each.➡️ Watch this full episode on YouTube: https://youtu.be/0ZDcYbNDh08For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com. To explore your options for long-term care insurance, click here. Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!
Roger Loomis discuss the past and future of the LTC insurance industry with an LTC sales veteran.
06-21-2023 Brian I. Gordon Learn more about the interview and get additional links here: https://usabusinessradio.com/your-ltci-premium-keeps-going-up-but-you-have-options/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ
05-03-2023 Brian I. Gordon Learn more about the interview and get additional links here: https://usabusinessradio.com/ltci-premiums-going-up-tips-to-keep-them-down/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ
Tax Advantages of a LTCiSee omnystudio.com/listener for privacy information.
1. Seven out of every ten Americans who reach age sixty-five will need long-term care of some kind. 2. LTCI premiums count as medical expenses and may potentially be paid with special tax considerations. 3. The burden of loved ones: 66 percent of caregivers use their personal assets like savings and retirement funds, to pay for a loved one's care.
Many do not realize when long term care insurance is needed. It is not the same as long term disability insurance. Our guest, Meredith Pensack, a long term care insurance expert explains the difference and why this coverage protects retirement assets. Questions are answered. Being Well Informed airs weekly on various podcast platforms such as Google Podcast, Apple Podcast, iHeart Radio, Podbean, Podcast Addict, Spotify, Amazon Music, and on You Tube.
Become a channel member for Exclusive videos! https://youtube.com/FarshadAslLeadership Check out my Podcast! https://myLeadersPodcast.com Subscribe to the podcast channel: https://podcasts.apple.com/us/podcast/its-all-about-leadership/id1508954873 More about Farshad: http://farshadasl.com Check out my Amazon page of all of my Bestseller Book! https://amazon.com/No-Excuses-Mindset-Purpose-Passion/dp/1943526729 Join my Telegram Channel: https://t.me/LeadershipByFarshad TEXT ME to Join my Leadership Community: +1(818) 214-7344 Subscribe My WyseCoach “Weekly Coaching Sessions” for $19.95/month https://www.wysecoach.com Follow me @FarshadAsl Twitter: https://twitter.com/FarshadAsl Linkedin: https://linkedin.com/in/FarshadAsl Facebook: https://facebook.com/FarshadMAsl Instagram: https://instagram.com/iFarshad #Leadership #Mindshift #NoExcuses --- Support this podcast: https://anchor.fm/farshadasl/support
03-02-2022 Brian I. Gordon Learn more about the interview and get additional links here: https://www.usadailychronicles.com/will-more-states-create-a-publicly-funded-ltci-option-like-washington-state-has/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ
02-02-2022 Brian I. Gordon Learn more about the interview and get additional links here: https://www.usadailytimes.com/2022/02/02/whats-the-best-age-to-buy-ltci/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ
11-23-2021 Brian I. Gordon
11-17-2021 Brian I. Gordon
10-20-2021 Brian I. Gordon
Washington State, in January 2022, will become the first to collect a payroll tax to help offset the cost of long term care needs for eligible residents of the state. How long will it be until other states adopt something similar? Questions? Email me: Mike@ngpfp.com
When it comes to long-term care, what are some of the benefits and challenges of aging-in-place services, and how can these work hand-in-hand with long term care insurance? In this episode of Critical Point, Milliman's Robert Eaton and Missy Gordon are joined by Char Hu, founder and CEO of The Helper Bees, a healthcare insurtech company that offers care concierge services for LTCI carriers and health plans. The three experts discuss trends in the LTCI market, the rise of virtual care, and how aging-in-place services can improve experience for both policyholders and insurers. They also dive into how predictive analytics plays an important role in understanding aging-in-place needs and long-term care insurance.
06-23-2021 Brian Gordon
Get your First Looks and get ready to succeed this AEP! In this episode, we talk carrier first looks, how to find them on the Ritter platform, and what you can do with the info you learn! Read the text version. Contact the Team at Ritter Insurance Marketing Register with Ritter Insurance Marketing Mentioned in this episode: FREE Registration with Ritter Insurance Marketing Ritter Insurance Marketing Certification Center The Survivor's AEP Checklist More episodes you'll like: How to Follow Up with Medicare Clients Compliantly Think your job as an agent is complete after the sale? Not so fast. We whole-heartedly believe that the fortune is found in the follow-up! If you're not sure how to follow up with your clients, listening to this episode is a great place to start. LTC Planning in a COVID World – What's Changed & Why It's Essential What does long-term care planning look like these days? How has the pandemic affected the industry? Find out what independent insurance agents should know in this can't-miss episode of our Agent Survival Guide Podcast. Prospecting for Clients for Dental, Vision, and Hearing Insurance Sales Where can insurance agents find leads for DVH sales? We outline five prospecting tips for selling dental, vision, and hearing insurance. What an FMO Can Do for Your Business Why work with an FMO? What is a Field Marketing Organization? Whether you're just starting out or on the fence about joining an FMO, this can't-miss episode has all the details! Why Client Retention Should Be Your Top Priority Discover how to keep existing clients coming back for more. We talk strategy and give you practical steps you can easily implement in your own insurance business. Articles to Share with Your Clients: Dealing with Allergies Allergies are very common and can be a real drain on your quality of life. In worst cases, they can even be deadly. How can you go about life dealing with allergies? Snacks that Lower Your Blood Pressure (With Recipes!) Over 100 million Americans have high blood pressure. Here are three snacks that can help you lower it. What are Medicare Deductibles? We've all dealt with deductibles before, in all sorts of insurance plans. They're so common that many people and plans don't easily explain what they are and how they influence your coverage. We're answering so you don't have to ask – what are Medicare deductibles? Ritter Insurance Marketing eBooks & Guides: Agent Survival Kits: Beginners or Experts How to Host a Successful Medicare Educational Event The Complete Guide on How to Sell Medicare Advantage Plans The Complete Guide on How to Sell Prescription Drug Plans The Complete Guide to Client Loyalty and Retention The latest from Ritter's Blog: 4 Ways to Fund Long-Term Care: Hybrid Insurance Financially savvy individuals know it's always smart to include potential long-term care expenses in a retirement budget. How exactly can your clients finance long-term care? Hybrid long-term care insurance (LTCi) is a fantastic feasible solution, but how can they fund that? 2021 State of the Senior Market: In Review Craig Ritter, CEO of Ritter Insurance Marketing, recently gave his annual State of the Senior Market address to 412 agents, who attended from all across the U.S. Advertising Medicare Through Facebook In a world where social distancing has become the norm, we've all turned to social media to stay connected with others. Why not advertise Medicare on social media and grow your insurance business digitally? Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram
The Friday Five for June 4, 2021: The Medicare Plan Finder reviewed CMS and Medicaid value-based price agreements Amazon pharmacy rumors How Medicare works on vacation Twitter news and rumors Contact the Team at Ritter Insurance Marketing Mentioned in this episode: Amazon is considering building physical pharmacies Amazon Prime Day starts June 21. Here’s how to find the best deals Apple Launches WWDC 2021 Live Stream on YouTube in Preparation for June 7 Keynote CMS delays requirement for drugmakers to offer multiple best prices for Medicaid value-based deals Medicare on the Go: How My Plan Works on Vacation Premium Twitter Blue subscription launch looks imminent The Medicare Plan Finder: Still A Work In Progress Twitter is once again taking your requests for a blue verification badge Twitter To Introduce 3-tier Labelling System To Combat Misinformation, Here's What It Is More episodes you’ll like: May 28, 2021 | The Friday Five The Friday Five for May 28, 2021: New CMS Admin confirmed, State of Medicare Advantage 2021, retirement bill reintroduced, Noom hopes to expand, and Facebook, Instagram announce new feature. How to Recruit Insurance Agents to Your Downline Want to build a successful downline for your insurance business? Don’t miss our best practices for recruiting agents to your agency! And be sure to check out the show notes for a link to grab your copy of our eBook – Developing an Agency – Your Guide to Getting Started. Prospecting for Clients for Dental, Vision, and Hearing Insurance Sales Where can insurance agents find leads for DVH sales? We outline five prospecting tips for selling dental, vision, and hearing insurance. Articles to Share with Your Clients: COVID-Safe Ways to Stay Connected with Your Grandkids The relationship many grandparents share with their grandkids is a highlight of their lives, and the separation due to the COVID-19 pandemic has been difficult. What are some COVID-safe ways you can keep connected? Dealing with Allergies Allergies are very common and can be a real drain on your quality of life. In worst cases, they can even be deadly. How can you go about life dealing with allergies? Using Basil in Your Cooking Basil is one of the most versatile herbs, but you can lose a lot of its benefits if you prepare or cook it wrong. Here's how you can get the most out of using basil in your cooking! The latest from Ritter’s Blog: 4 Ways to Fund Long-Term Care: Hybrid Insurance Financially savvy individuals know it’s always smart to include potential long-term care expenses in a retirement budget. How exactly can your clients finance long-term care? Hybrid long-term care insurance (LTCi) is a fantastic feasible solution, but how can they fund that? 2021 State of the Senior Market: In Review Craig Ritter, CEO of Ritter Insurance Marketing, recently gave his annual State of the Senior Market address to 412 agents, who attended from all across the U.S. Advertising Medicare Through Facebook In a world where social distancing has become the norm, we’ve all turned to social media to stay connected with others. Why not advertise Medicare on social media and grow your insurance business digitally? Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook LinkedIn Twitter YouTube Instagram Sarah’s LinkedIn Sarah’s Instagram
Long Term Care Insurance expert Lisa Beers explains the benefits and the many options in LTCI. A most informative discussion of when, why, and what you should think about buying because as she explains, 70% of us will have a need for long term care at some point in our lives.
Tonight, we bring back one of our favorite past guests,Ms. Carroll Golden Executive Director, LECP Center, of NAIFA. (National Association of Insurance and Financial Advisors)Carroll Golden is a forward-thinking organizational consultant and business strategist with a diverse international backgroundholding senior leadership roles within the healthcare and insurance marketplace.Carroll is recognized by industry peers for her contributions in the long term care insurance (LTCI) fieldand is a frequent speaker and noted author across numerous professional benefits and financial services organizations.Almost one year ago, Carroll was here discussing one of the most far-reaching long-term care insurance platforms ever created, being introduced by NAIFA.This evening, we will find out exactly how this massive national project has progressedand discuss many other changes in the long-term care insurance world.Join us at 7:00 PM on 62WhoKnew at WWW.Webeamtv.com Every generation faces different complications when preparing for retirement.It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before!But make no mistake about it, longer life spans are a double-edged sword. Michael L. BannerPresidentProfessional Mortgage Alliance, LLC.28870 U.S. Hwy 19 N.Suite 320Clearwater, Fl. 33761E-mail- mbanner@pmanow.comCell – 727-224-3859Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI Executive Director, LECP Center National Association of Insurance and Financial Advisors2901 Telestar Court | Falls Church, VA 22042Email: cgolden@naifa.org | Office: 817-709-6859 www.NAIFA.org See acast.com/privacy for privacy and opt-out information.
62 Who Knew Episode 070 Tonight our guest is Mr. Marc Glickman, FSA, CLTC, LTCP is co-founder of www.buddyins.com a community of client-centric long-term care planning experts. His mission is to help families across the country get a long-term care plan and support the 40 million caregivers in the United States. Marc has over a decade of experience as a long-term care actuary. He is an expert in long-term care insurance financing, pricing, and benefits. He has trained thousands of long-term care specialist agents across the country and serves on the Board of Advisors for the Certification for Long Term Care (CLTC) training designation. Marc has unique insight into the inner workings of insurance as he has consulted for many long-term care insurance companies to help design their products. Marc hosts a webinar series on insurance planning and is an LTCI subject matter expert on LinkedIn. He loves to hear LTC planning stories, so please feel free to connect with him on Linkedin: https://www.linkedin.com/in/marcglickman/ See acast.com/privacy for privacy and opt-out information.
On our first new show of 2021, 62 Who Knew?!? made a commitment to spearhead a National initiative of creating a platform that would make Long Term Care Insurance available to the masses, not just the wealthy.Today we bring back 2 of our panelists from that show.Mr. Bill Comfort, Nationally recognized as one of the foremost experts in the long-term care insurance industry, has certified thousands of agents with the CLTC Designation, the top designation in the LTCi industry.Mr. Steven Sless, Founder, The Steven J. Sless Group of Primary Residential Mortgage, Inc. – The Lender's National Division Dealing Exclusively With Reverse Mortgages and Known as the "Go To Housing Wealth Expert” by various media outlets.Join us at www.webeamtv.com/62whoknew/ as we update you on what steps forward we have taken and what will be happening in 2021 to make Long Term Care Insurance available to all!Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692Steven SlessPRMI Primary Residential Mortgage, Inc.ssless@primeres.comPhone: 800-255-2792www.primeres.comBranch NMLS # 3094NMLS: #298581Bill Comfort, The LTCpro®Comfort Assurance Group, LLC.,bill@comfortltc.comPhone: (888) 507-3588 www.comfortltc.com See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 055Tonight, we bring back one of our favorite past guests, Ms. Carroll Golden Executive Director, LECP Center, of NAIFA. (National Association of Insurance and Financial Advisors)Carroll Golden is a forward-thinking organizational consultant and business strategist with a diverse international background holding senior leadership roles within the healthcare and insurance marketplace. Carroll is recognized by industry peers for her contributions in the long term care insurance (LTCI) field and is a frequent speaker and noted author across numerous professional benefits and financial services organizations.Almost one year ago, Carroll was here discussing one of the most far-reaching long-term care insurance platforms ever created, being introduced by NAIFA.This evening, we will find out exactly how this massive national project has progressed and discuss many other changes in the long-term care insurance world.Join us at 62WhoKnew WWW.Webeamtv.com/liveEvery generation faces different complications when preparing for retirement. It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before! But make no mistake about it, longer life spans are a double-edged sword.Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 001The first episode of 62 Who Knew is in the can and we think we did well!The show started with a brief explanation of the premise of the show and its goals for our listeners by our host, Michael Banner.And then we went right to work…Our first guest, (actually our first guest ever!), Dr. Lisa Marie Kennedy started us outright with an in-depth discussion on how the needs of a potential homebuyer, approaching retirement, is a totally different conversation than any other client.As an award-winning Realtor in Sarasota Florida, Dr. Kennedy really drilled down on why this class of buyer's requirements and desires are totally different than all other types of buyers.It was incredibly informative and we hope to see Dr. Kennedy back on the set very soon!After a brief word from our sponsors, that is television host talk that I just learned last night, we dove right into our second segment.Our second guest (ever) was Mr. Mark Goldberg, President of FPS Insurance Agency which is part of the LTC Global Network.Mr. Goldberg's reputation proceeded him and as a very well-known national expert in the field of long-term care insurance, he did not disappoint.This particular topic is one that touches almost every family, in every walk of life, at practically every income bracket. Mark quickly and succinctly identified the many misconceptions that surround the long-term care insurance industry and shed light on why this product is truly essential to the great majority of us and our families.He summarized the many changes in the LTCI industry and how today's products can offer several different options that are meet today's expectations of longer life…What a great first show and my heartfelt thanks to my first two guests, Lisa & Mark, and the man that made it happen, Mr. John Gaston, President of Tampa Bay Multimedia. See acast.com/privacy for privacy and opt-out information.
11-25-2020 Brian Gordon
Think Long-Term Care insurance is your client’s only option? Explore Short-Term Care Insurance and its benefits. Read the text version. Mentioned in this episode: Are You Offering Multiple LTC Insurance Options? Buyers Ages for LTC Insurance Reported Identifying Ideal Clients for LTCi Longtermcare.gov: Who Needs Care? The Key to Accessing High-Cost Care More episodes you’ll like: 2021 Medicare Part A & B Premiums and Deductibles CMS just announced the 2021 Medicare Part A and B premiums and deductibles. Find out what the cost of Medicare will be for your clients in the coming year. 4 Out-of-the-Box Long-Term Care Insurance Solutions Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional LTC solutions that just might do the trick. How to Build Rapport Selling Insurance Online and Over the Phone Learn how to better connect with your sales prospects - even if those interactions are now happening virtually. We have 6 tips you can add to your insurance sales process today! LTC Planning: Sales Strategies & Market Trends featuring Bob Vandy and Mike Baker What does the long-term care insurance market look like for agents in 2020 and beyond? We sat down with AIB's Bob Vandy and Ritter's Mike Baker to learn more. Find out the difference between long-term care planning and LTCi sales in addition to market trends and practical strategies for insurance agents. November 13, 2020 | The Friday Five The Friday Five for November 13, 2020: CMS Announces Medicare Part A and B Premiums and Deductibles; CMS release Medicaid and CHIP Final Rule (CMS-2408-F); Fed holding interest rates steady; things you shouldn’t say to your clients or prospects; and the 10 happiest songs ever. Articles to Share with Your Clients: Here’s What Medicare Costs in 2021 CMS has announced the 2021 Medicare costs. Check them out so you know what to expect this AEP! Is Medicare the Only Health Insurance I Need? In many situations, your Medicare plan has you covered at the best of times and the worst of times. But, it may be worth looking into these extra insurance plans. What Are the Different Types of Nursing Homes and Care Facilities? You’ve probably heard of nursing homes, but did you know that there are other kinds of residential care facilities? Today, we’re exploring the different types of nursing homes and senior care facilities! The latest from Ritter’s Blog: 2021 Medicare Part A and Part B Premiums and Deductibles CMS recently released their numbers for 2021 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Let’s see how these changes might affect your clients in the coming year. Navigating Insurance Sales During the Medicare AEP & COVID You need commissions, but you don’t want to catch, or spread, COVID. Can you compliantly check temperatures or ask health questions in person? Will more carriers allow remote Medicare sales? How can you have a profitable Annual Enrollment Period during the current health crisis? How to Get Started in Medicare Sales Starting out as an insurance agent in the Medicare industry can seem daunting. There are many ins and outs of selling Medicare and quite a list of things you need to decide and do. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional LTC solutions that just might do the trick. Read the text version Mentioned in this episode: Cost of Care Survey Fixed Annuities vs. Indexed Annuities: What’s the Difference? Identifying Ideal Clients for Universal Life Products Know the difference: Chronic illness vs. LTCi riders Lack of Funds for LTC is Americans’ Greatest Fear About Aging LTC Planning: Sales Strategies & Market Trends featuring Bob Vandy and Mike Baker Short-Term Care Insurance: A Top LTCi Alternative for Clients Tax Code 101(g) Tax Code 7702B The Increasing Value of Combining Life & LTC More episodes you’ll like: 4 Ways to Fund Long-Term Care: Hybrid Insurance Discover the many ways hybrid long-term care insurance can be funded. These best practices can help you show your clients that they can afford to purchase linked-benefit LTCi coverage. An Alternative Approach to Long-Term Care Planning Think traditional Long-Term Care insurance is the only way to cover your client's future LTC expenses? Show your clients a different way with linked-benefit Life/LTC policies. Identifying Ideal Long-Term Care Insurance Clients Get to know the characteristics of Long-Term Care insurance buyers. Use these tips to comb through your book of business and find potential sales you might be missing out on! The Real Cost of Long-Term Care Do your clients know all the costs associated with retirement? Learn more about the true cost of Long-Term Care so you can pass that knowledge – and peace of mind! – on to your clients. Are You Offering Multiple LTCi Options? Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales. Articles to Share with Your Clients: 6 Health Services Not Covered By Medicare At some point in your life, you may need some form of long-term care, or non-medical personal care. Does Medicare cover long-term care, and if not, what are your options? Does Medicare Cover Long-Term Care? Original Medicare covers many things, but not everything. These are the services that Medicare usually doesn’t offer coverage for. Is Medicare the Only Health Insurance I Need? In many situations, your Medicare plan has you covered at the best of times and the worst of times. But, it may be worth looking into these extra insurance plans. The latest from Ritter’s Blog: The Benefits of Joining a Top Insurance FMO If you’re wondering what exactly an FMO is and why you should join one, you’ve come to the right place! We have the answers you’ve been looking for to help you determine if you should join an FMO and how you can benefit from doing so! How to Check Medicare Extra Help Eligibility for Your Client Is your client eligible for the Medicare Extra Help program? You could play a huge role in getting them financial assistance with prescription drug coverage and medications. What are the income limits for Part D Extra Help, and are there Medicare Extra Help look-up tools? How to Build Rapport Selling Insurance Online Or Over the Phone Don’t let social distancing get in the way of your insurance sales! If you’re trying to foster trust with prospects, we’ve got six tips for building rapport over the phone or online, fast. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
What does the long-term care insurance market look like for agents in 2020 and beyond? We sat down with AIB's Bob Vandy and Ritter's Mike Baker to learn more. Find out the difference between long-term care planning and LTCi sales in addition to market trends and practical strategies for insurance agents. Download the White Paper! Mentioned in this episode: AIB's Blog A Senior (Life) Moment Life Happens Official Website Long-Term Care/Life Insurance Pre-Qualification Worksheet Look Through the [LTCi] Windshield, NOT Through the Rear-View Mirror Register for the AIB/Ritter LTC Monthly Webinar – The Art of Saving the LTCi Sale Ritter's Agent Survival Guide Blog Short-Term Care Insurance: A Top LTCi Alternative for Clients More episodes you’ll like: 4 Ways to Fund Long-Term Care: Hybrid Insurance Discover the many ways hybrid long-term care insurance can be funded. These best practices can help you show your clients that they can afford to purchase linked-benefit LTCi coverage. Identifying Ideal Long-Term Care Insurance Clients Get to know the characteristics of Long-Term Care insurance buyers. Use these tips to comb through your book of business and find potential sales you might be missing out on! Are You Offering Multiple LTCi Options? Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales. Articles to Share with Your Clients: 6 Health Services Not Covered By Medicare At some point in your life, you may need some form of long-term care, or non-medical personal care. Does Medicare cover long-term care, and if not, what are your options? Does Medicare Cover Long-Term Care? Original Medicare covers many things, but not everything. These are the services that Medicare usually doesn’t offer coverage for. Is Medicare the Only Health Insurance I Need? In many situations, your Medicare plan has you covered at the best of times and the worst of times. But, it may be worth looking into these extra insurance plans. The latest from Ritter’s Blog: 2021 Medicare Part A and Part B Premiums and Deductibles CMS recently released their numbers for 2021 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Let’s see how these changes might affect your clients in the coming year. Navigating Insurance Sales During the Medicare AEP & COVID You need commissions, but you don’t want to catch, or spread, COVID. Can you compliantly check temperatures or ask health questions in person? Will more carriers allow remote Medicare sales? How can you have a profitable Annual Enrollment Period during the current health crisis? How to Get Started in Medicare Sales Starting out as an insurance agent in the Medicare industry can seem daunting. There are many ins and outs of selling Medicare and quite a list of things you need to decide and do. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
11-04-2020 Brian Gordon
The LTCI market continues to evolve, and the ability to blend long term care insurance into annuity products offers clients a powerful new asset to offset the rising costs of care. November is Long Term Care Insurance Awareness Month, so it's an ideal time to reconnect with clients who were declined or failed to acquire LTCI in the past. In this episode, Rick Stewart, Director of Crump's LTC Solutions Center, joins us to deliver an update on the market, product innovations, and important conversation starters for your clients.
Hans and Robby go over a specific long term care policy. They also discuss why long term care is so personal to both of them. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com.
Ron Hagelman and John Hebig discuss recent efforts to conduct a Long-Term Care producer survey and the impact it may have on the industry.
Stan, a Vietnam Era vet, began his career in the entertainment and fitness industries before becoming an insurance professional. He opened his own insurance brokerage over 20 years ago, adding Long Term Care coverages to his portfolio of life and disability products. A premier specialist in Long Term Care, Stan guides his clients through the complexities of the choices available with Long Term Care, as well as offering life, disability, and critical illness policies. Stan currently teaches the general LTCI Continuing Education (CA) courses, as well as The California Partnership for Long Term Care, under the auspices of the California Departments of Insurance and Aging. Stan receives numerous invitations to speak at local, financial planning, legal, senior, and insurance associations, including the San Gabriel Assn. of Financial Planners, NAIFA, LAAHU/VCAHU, USC, and the Joint Medicare Summit (IEAHU/SDHU/OCAHU/DCAHU). He has served on the advisory panels for the CA Partnership for Long Term Care. Aside from his personal production and teaching seminars, Stan mentors financial advisors through the complexities of the LTC Insurance sale (pre-qualifying inquiries, meeting with clients, customizing proposals, monitoring underwriting). His agency assists the sellers of LTCI with education, marketing, and product knowledge. All client proposals and quotes are individually tailored to reflect the clients’ needs, budgets, financial plan, and lifestyle requirements. Stan assures his clients and agents/financial advisors that the products represented by his brokerage have only the highest ratings/reliability. Just recently the agency has introduced Hybrid policies which appeal to those clients who wish to blend life insurance with LTCI coverage. Stan is married to Marcia, also a licensed agent, who also serves as a corporate officer. While their daughter, Shawna was growing up (USC Doctor of Physical Therapy, 2016), Stan was active with WAGS softball and Agoura HS Girls’ Water polo. Stan and Marcia have also chaired various committees with the local chamber of commerce associations and charity groups.
Get a custom long term care insurance quote today. Click here.Follow us on Facebook and TwitterBuy Scott's book “Simple LTC Solution” https://amzn.to/3ccqEjdGot a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.Follow us on Facebook and TwitterBuy Scott's book “Simple LTC Solution” https://amzn.to/3ccqEjdGot a question? Email Scott. | scott@ltcshop.com
Are these must-haves part of your strategy for this Annual Enrollment Period? They should be! Listen as we highlight five essentials to simplify your Medicare sales this AEP. Read the text version. Learn More about Medicareful Mentioned in this episode: How To Better Market Yourself How to help a loved one sign up for Medicare Modern Medicare Marketing for Today’s Agents Register with RitterIM.com Should Insurance Agents Have Their Own Website The Ritter Platform What Are Agents Responsible for Under HIPAA? More episodes you’ll like: July 17, 2020 FAQs About NAHU Medicare Certification Got questions about NAHU’s Medicare Advantage and Part D certification training? We’ve got answers! In this episode, we talk about the cost of NAHU certification, CE credits, training module topics, and more – you don’t want to miss it!!! NEW: NAHU 2021 Medicare Certification Training NAHU just launched a brand-new Medicare certification training for agents selling Medicare Advantage and Medicare Part D for the 2021 Annual Enrollment Period. Find out the details on this alternative to AHIP Medicare certification, including pros and cons, NAHU vs. AHIP, and more! The latest from Ritter’s Blog: How You Can Sell Insurance in Your State During COVID-19 We’ve gathered information regarding your state’s stance on in-person sales during the COVID-19 pandemic, as well as information about applying for unemployment benefits as a self-employed worker. Identifying Ideal Clients for LTCi Who typically purchases long-term care insurance (LTCi) policies? We’ve got your answer. To help you identify ideal clients for LTC insurance policies, we’ve created a profile containing the characteristics of a conventional LTCi buyer. FAQs About AHIP Whether it’s your first time or your fifth, completing the annual AHIP certification is important for licensed insurance agents selling Medicare plans. We answer some frequently asked questions about AHIP certification. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
Got questions about NAHU’s Medicare Advantage and Part D certification training? We’ve got answers! In this episode, we talk about the cost of NAHU certification, CE credits, training module topics, and more – you don’t want to miss it!!! Read the text version. Mentioned in this episode: Email NAHU with questions at professionaldevelopment@nahu.org Information on NAHU Corporate Partnerships Medicare Advantage Certification Training Guidebook NAHU Course Credit Details NAHU’s Online Learning Institute State Rules for Insurance Continuing Education The Survivor’s AEP Checklist More episodes you’ll like: July 10, 2020 | The Friday Five The Friday Five for July 10, 2020: CMS Proposed Rule on End-Stage Renal Disease (ESRD) Prospective Payment System (PPS); AHIP's State of Medigap 2020; Capital Rx teaming up with Walmart; Walmart debuts Walmart Insurance Services, LLC; Walgreens and VillageMD announce partnership NEW: NAHU 2021 Medicare Certification Training NAHU just launched a brand-new Medicare certification training for agents selling Medicare Advantage and Medicare Part D for the 2021 Annual Enrollment Period. Find out the details on this alternative to AHIP Medicare certification, including pros and cons, NAHU vs. AHIP, and more! 2021 Medicare Advantage and Part D Certification Info Looking for 2021 Medicare Advantage and Medicare Part D agent certification and product training details? Find out how to get carrier AHIP, Medicare Advantage certification, Part D certification, and product training details in one convenient place! The latest from Ritter’s Blog: How You Can Sell Insurance in Your State During COVID-19 We’ve gathered information regarding your state’s stance on in-person sales during the COVID-19 pandemic, as well as information about applying for unemployment benefits as a self-employed worker. Identifying Ideal Clients for LTCi Who typically purchases long-term care insurance (LTCi) policies? We’ve got your answer. To help you identify ideal clients for LTC insurance policies, we’ve created a profile containing the characteristics of a conventional LTCi buyer. FAQs About AHIP Whether it’s your first time or your fifth, completing the annual AHIP certification is important for licensed insurance agents selling Medicare plans. We answer some frequently asked questions about AHIP certification. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
Get a custom long term care insurance quote today. Click here.Follow us on Facebook and TwitterBuy Scott's book “Simple LTC Solution” https://amzn.to/3ccqEjdGot a question? Email Scott. | scott@ltcshop.com
NAHU just launched a brand-new Medicare certification training for agents selling Medicare Advantage and Medicare Part D for the 2021 Annual Enrollment Period. Find out the details on this alternative to AHIP Medicare certification, including pros and cons, NAHU vs. AHIP, and more! Read the text version. Mentioned in this episode: NAHU Online Learning Institute NAHU Course Credit Details How Professional Organizations Make You a Better Agent More episodes you’ll like: July 10, 2020 | The Friday Five The Friday Five for July 10, 2020: CMS Proposed Rule on End-Stage Renal Disease (ESRD) Prospective Payment System (PPS); AHIP's State of Medigap 2020; Capital Rx teaming up with Walmart; Walmart debuts Walmart Insurance Services, LLC; Walgreens and VillageMD announce partnership 2021 Medicare Advantage and Part D Certification Info Looking for 2021 Medicare Advantage and Medicare Part D agent certification and product training details? Find out how to get carrier AHIP, Medicare Advantage certification, Part D certification, and product training details in one convenient place! 3 Ways to Calculate Your Client’s Life Insurance How do you calculate the amount of life insurance your client needs? We outline three methods insurance agents can use to find the right amount of coverage. The latest from Ritter’s Blog: How You Can Sell Insurance in Your State During COVID-19 We’ve gathered information regarding your state’s stance on in-person sales during the COVID-19 pandemic, as well as information about applying for unemployment benefits as a self-employed worker. Identifying Ideal Clients for LTCi Who typically purchases long-term care insurance (LTCi) policies? We’ve got your answer. To help you identify ideal clients for LTC insurance policies, we’ve created a profile containing the characteristics of a conventional LTCi buyer. FAQs About AHIP Whether it’s your first time or your fifth, completing the annual AHIP certification is important for licensed insurance agents selling Medicare plans. We answer some frequently asked questions about AHIP certification. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
The Friday Five for July 10, 2020: CMS Proposed Rule on End-Stage Renal Disease (ESRD) Prospective Payment System (PPS) AHIP's State of Medigap 2020 Capital Rx teaming up with Walmart Walmart debuts Walmart Insurance Services, LLC Walgreens and VillageMD announce partnership Mentioned in this episode: CMS Proposes Medicare Payment Changes to Support Innovation and Increased Access for Dialysis in the Home Setting Capital Rx Announces Collaboration with Walmart to Expand Prescription Drug Cost Savings End Stage Renal Disease (ESRD) Prospective Payment System (PPS) Calendar Year (CY) 2021 Proposed Rule (CMS-1732-P) Fact Sheet How to know what sunscreen you should wear on your face, and what’s better for your body, according to dermatologists Startup PRM Capital Rx, Walmart partner to shed light on specialty, mail-order drug prices State of Medigap 2020 Supplement Coverage Two Times Less Likely to Have Problems Paying Medical Bills The 23 Best Sunscreens for Your Face, According to Allure Editors Walgreens opening doctor offices at hundreds of drugstores Walmart confirms a new avatar – it’s also a health insurance agency Walmart quietly registers insurance business in its latest move into health care More episodes you’ll like: July 3, 2020 | The Friday Five The Friday Five for July 3, 2020: HHS and the COVID-19 Public Health Emergency; Anthem releases update to Alexa Skill; CVS launches platform to aid reopening efforts; How to cope with stress and anxiety right now; and Changes to Google Photos back up process. 3 Ways to Calculate Your Clients’ Life Insurance Needs How do you calculate the amount of life insurance your client needs? We outline three methods insurance agents can use to find the right amount of coverage. 4 No-Good Reasons Why insurance Agents Quit Ever want to just throw in the towel and stop being an insurance agent? We’ve been there! But, before you do anything you might regret, listen to this episode. The latest from Ritter’s Blog: How You Can Sell Insurance in Your State During COVID-19 We’ve gathered information regarding your state’s stance on in-person sales during the COVID-19 pandemic, as well as information about applying for unemployment benefits as a self-employed worker. Identifying Ideal Clients for LTCi Who typically purchases long-term care insurance (LTCi) policies? We’ve got your answer. To help you identify ideal clients for LTC insurance policies, we’ve created a profile containing the characteristics of a conventional LTCi buyer. FAQs About AHIP Whether it’s your first time or your fifth, completing the annual AHIP certification is important for licensed insurance agents selling Medicare plans. We answer some frequently asked questions about AHIP certification. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
Get a custom long term care insurance quote today. Click here.Follow us on Facebook and TwitterBuy Scott's book “Simple LTC Solution” https://amzn.to/3ccqEjdGot a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.Follow us on Facebook and TwitterBuy Scott's book “Simple LTC Solution” https://amzn.to/3ccqEjdGot a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.Follow us on Facebook and TwitterBuy Scott's book “Simple LTC Solution” https://amzn.to/3ccqEjdGot a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.Follow us on Facebook and TwitterBuy Scott's book “Simple LTC Solution” https://amzn.to/3ccqEjdGot a question? Email Scott. | scott@ltcshop.com
You may know that I am not a fan of traditional long-term care insurance. But that is why we are exploring this topic together. It is important for me to reexamine my biases periodically to see how they hold up. On this episode of Retirement Answer Man, Steve Cain, from LTCI joins me to examine traditional long-term care insurance. I have plenty of questions for him so that we can learn how traditional long-term care insurance works and examine our own risks. Join me by listening to this conversation to learn more about long-term care insurance so that you’ll have the tools to determine if it is right for you. How to plan for risk There are 5 basic strategies to address a risk and shockingly, ignoring the risk is not one of them. No one likes to think about long-term care, but instead of burying our heads in the sand we need to think about how we will confront this risk. These are the 5 strategies that risk management professionals consider. Retain the risk - this means dealing with it yourself Avoid the risk - not really a possibility in this situation Mitigate the risk - lower the odds of the risk Share the risk - use insurance to help to share the risk Transfer the risk by using insurance to own all of the risk. Keep these strategies in mind as you listen to the show so that you can begin to consider which one you’ll want to use to consider long-term care. Is traditional long-term care insurance right for you? Deciding whether to use traditional long-term care insurance is a difficult decision. The long-term care insurance industry is still in its infancy and there are many factors to consider as a consumer. The industry doesn’t have the best reputation, but Steve Cain is here to help us consider whether traditional long-term care insurance is the best option for our potential long-term care needs Will the long-term care insurance company be around when we really need it? We’ve all seen the headlines, long-term care insurance companies raising their rates, or even worse, companies going out of business. How do we know if the insurance company is going to be around when we really need it? Despite the history of problems in the industry, Steve Cain feels that the newer generation of long-term care insurance policies are more stable than the first generations. He feels that the industry has evolved and adapted by learning from the mistakes of the past. Find out why Steve feels the newer insurance policies are more stable than those of the past. How are the policies structured? To get a long-term care insurance policy you’ll have to go through several steps. The companies want to ensure that you won’t need long-term care for a number of years, so they do check your medical history. There are many factors to consider when choosing your policy. The amount you can afford is an important factor. But you’ll also want to consider your lifetime maximum benefit, the maximum benefit amount per month, and you’ll also want to factor for inflation. Find out what else you should consider before you think about getting long-term care insurance. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN WHAT DOES THAT MEAN SEGMENT [3:00] Lifetime maximum benefit PRACTICAL PLANNING SEGMENT [7:53] The long term care insurance industry is in its infancy [14:40] What happens to a policy when the company becomes insolvent? [20:30] How does a long-term care policy get crafted? [29:17] The elimination period used to be bigger than it is now [37:14] What is the average premium? LISTENER QUESTIONS SEGMENT [40:44] Tax diversification in retirement [47:44] A sequence of return risk question TODAY’S SMART SPRINT SEGMENT [51:30] Consider your long-term care risk Resources Mentioned In This Episode Steve Cain Steve Cain on Twitter @SteveCainLTC Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement by Roger Whitney Work with Roger Roger’s Retirement Learning Center
Discover the many ways hybrid long-term care insurance can be funded. These best practices can help you show your clients that they can afford to purchase linked-benefit LTCi coverage. Read the text version. Contact Ritter about LTCi Mentioned in this Episode: Are You Offering Multiple LTC insurance Options? 4 Out-of-the-Box Long-Term Care Insurance Solutions An Alternative Approach to Long-Term Care Planning Kitces: Are retiree health care costs overblown? What is the Difference Between Qualified & Non-Qualified Annuities? What is Tax-Qualified Money? What You Need to Know About 1035 Exchanges Why LTCi Alternatives Are Important in Today’s Market More episodes you’ll like: 4 Out-of-The-Box Long-Term Care Insurance Solutions | ASG182 Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional LTC solutions that just might do the trick. An Alternative Approach to Long-Term Care Planning | ASG145 Think traditional Long-Term Care insurance is the only way to cover your client's future LTC expenses? Show your clients a different way with linked-benefit Life/LTC policies. Are You Offering Multiple LTCi Options? | ASG142 Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales. The Increasing Value of Combining Life & LTC | ASG138 Do linked-benefit Life/LTC insurance products have a place in your portfolio? Find out why the market is ripe for these types of plans right now! The latest from Agent Survival Guide: Halfway Through AEP: Reflect & Renew Your Medicare Sales Strategies November 10 marks the halfway point for the 2020 Annual Enrollment Period! If you’re selling Medicare products, now’s the time to reflect on your success during the first few weeks and recharge... (read more) 5 Major Things to Expect in the Medicare Advantage Market for 2020 Spoiler alert: With the way the market’s looking for 2020, we feel confident saying now’s a FANTASTIC time to be selling Medicare Advantage (MA) plans. Here’s why. The Kaiser Family Foundation (KFF),... (read more) Why You Need to Make Time for Medicare Training (& Where to Find Great Resources!) It’s the Annual Enrollment Period, the busiest time of the year if you’re a Medicare agent! More sales translate into more money. And we all know time is money, so the more... (read more) Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
How does a 1035 Exchange work when you’re selling life insurance? Does using a 1035 Exchange make sense for your client? We’ve got the answers to these questions and more in this episode of the Agent Survival Guide Podcast. Read the text version. Mentioned in this Episode: 4 Out-of-the-Box Long-Term Care Insurance Solutions Identifying Ideal Clients for LTCi Life Insurance for Each of Life’s Stages ǀ ASG088 Pension Prevention Act of 2006 Becomes Law Tax Code 1035 More episodes you’ll like: 4 Out-of-The-Box Long-Term Care Insurance Solutions | ASG182 Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional LTC solutions that just might do the trick. An Alternative Approach to Long-Term Care Planning | ASG145 Think traditional Long-Term Care insurance is the only way to cover your client's future LTC expenses? Show your clients a different way with linked-benefit Life/LTC policies. Are You Offering Multiple LTCi Options? | ASG142 Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales. The Increasing Value of Combining Life & LTC | ASG138 Do linked-benefit Life/LTC insurance products have a place in your portfolio? Find out why the market is ripe for these types of plans right now! The latest from Agent Survival Guide: Halfway Through AEP: Reflect & Renew Your Medicare Sales Strategies November 10 marks the halfway point for the 2020 Annual Enrollment Period! If you’re selling Medicare products, now’s the time to reflect on your success during the first few weeks and recharge... (read more) 5 Major Things to Expect in the Medicare Advantage Market for 2020 Spoiler alert: With the way the market’s looking for 2020, we feel confident saying now’s a FANTASTIC time to be selling Medicare Advantage (MA) plans. Here’s why. The Kaiser Family Foundation (KFF),... (read more) Why You Need to Make Time for Medicare Training (& Where to Find Great Resources!) It’s the Annual Enrollment Period, the busiest time of the year if you’re a Medicare agent! More sales translate into more money. And we all know time is money, so the more... (read more) Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
Are you familiar with all the Long-Term Care insurance options you can offer your clients? In this episode, we cover the alternatives to traditional LTC insurance and why these products deserve a place in your portfolio. Read the text version. Mentioned in this Episode: Combination Products Giving Life Back to Long-term Care Market It Is Time to Acknowledge Standard LTCi Alternatives Leading Through Change: 17th Annual Intercompany Long Term Care Insurance Conference Long-Term Care Insurance: The SOA Pricing Project Long-Term Care Insurance Facts – Data - Statistics Long-Term Care Insurance Health Qualifications. Are You Even Insurable? Long-Term Services and Supports for Older Americans: Risks and Financing Research Brief Short-Term Care Insurance Policy Sales Grow 20 Percent The Traditional Long-Term Care Insurance Market Crumbles Who is Covered by Private Long-Term Care Insurance? More episodes you’ll like: 4 Out-of-The-Box Long-Term Care Insurance Solutions | ASG182 Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional LTC solutions that just might do the trick. An Alternative Approach to Long-Term Care Planning | ASG145 Think traditional Long-Term Care insurance is the only way to cover your client's future LTC expenses? Show your clients a different way with linked-benefit Life/LTC policies. Are You Offering Multiple LTCi Options? | ASG142 Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales. The Increasing Value of Combining Life & LTC | ASG138 Do linked-benefit Life/LTC insurance products have a place in your portfolio? Find out why the market is ripe for these types of plans right now! The latest from Agent Survival Guide: Halfway Through AEP: Reflect & Renew Your Medicare Sales Strategies November 10 marks the halfway point for the 2020 Annual Enrollment Period! If you’re selling Medicare products, now’s the time to reflect on your success during the first few weeks and recharge... (read more) 5 Major Things to Expect in the Medicare Advantage Market for 2020 Spoiler alert: With the way the market’s looking for 2020, we feel confident saying now’s a FANTASTIC time to be selling Medicare Advantage (MA) plans. Here’s why. The Kaiser Family Foundation (KFF),... (read more) Why You Need to Make Time for Medicare Training (& Where to Find Great Resources!) It’s the Annual Enrollment Period, the busiest time of the year if you’re a Medicare agent! More sales translate into more money. And we all know time is money, so the more... (read more) Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
Get to know the characteristics of Long-Term Care insurance buyers. Use these tips to comb through your book of business and find potential sales you might be missing out on! Read the text version. Learn more about LTC with Ritter Mentioned in this Episode: Caregiving in the U.S. Let's Talk LTC Long-Term Care Insurance Pre-Screen PDF Long-Term Care Providers and Services Users in the United States: Data From the National Study of Long-Term Care Providers, 2013-2014 Mortality in the United States, 2015 Ritter's Carrier Pages Understanding Long-Term Care Buyers More episodes you’ll like: 4 Out-of-The-Box Long-Term Care Insurance Solutions | ASG182 Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional LTC solutions that just might do the trick. An Alternative Approach to Long-Term Care Planning | ASG145 Think traditional Long-Term Care insurance is the only way to cover your client's future LTC expenses? Show your clients a different way with linked-benefit Life/LTC policies. Are You Offering Multiple LTCi Options? | ASG142 Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales. The Increasing Value of Combining Life & LTC | ASG138 Do linked-benefit Life/LTC insurance products have a place in your portfolio? Find out why the market is ripe for these types of plans right now! The latest from Agent Survival Guide: 5 Major Things to Expect in the Medicare Advantage Market for 2020 Spoiler alert: With the way the market’s looking for 2020, we feel confident saying now’s a FANTASTIC time to be selling Medicare Advantage (MA) plans. Here’s why. The Kaiser Family Foundation (KFF),...(read more) Why You Need to Make Time for Medicare Training (& Where to Find Great Resources!) It’s the Annual Enrollment Period, the busiest time of the year if you’re a Medicare agent! More sales translate into more money. And we all know time is money, so the more...(read more) Value-Based Care for Medicare Enrollees Is the Future All of us want our doctors to actually care about our health, not to just fill their patient quota for the day. Well, the government wants that too, for their own reasons... (read more) Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional LTC solutions that just might do the trick. Read the text version. Mentioned in this Episode: Cost of Care Survey 2018 Fixed Annuities vs. Indexed Annuities: What’s the Difference? Identifying Ideal Clients for Universal Life Products Know the difference: Chronic illness vs. LTCi riders Lack of Funds for LTC is Americans’ Greatest Fear About Aging Short-Term Care Insurance: A Top LTCi Alternative for Clients STCi Solutions for LTCi Prospects Tax Code 101(g) Tax Code 7702B The Increasing Value of Combining Life & LTC More episodes you’ll like: An Alternative Approach to Long-Term Care Planning | ASG145 Think traditional Long-Term Care insurance is the only way to cover your client's future LTC expenses? Show your clients a different way with linked-benefit Life/LTC policies. The Real Cost of Long-Term Care | ASG144 Do your clients know all the costs associated with retirement? Learn more about the true cost of Long-Term Care so you can pass that knowledge – and peace of mind! – on to your clients. Are You Offering Multiple LTCi Options? | ASG142 Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales. The Increasing Value of Combining Life & LTC | ASG138 Do linked-benefit Life/LTC insurance products have a place in your portfolio? Find out why the market is ripe for these types of plans right now! The latest from Agent Survival Guide: 5 Major Things to Expect in the Medicare Advantage Market for 2020 Spoiler alert: With the way the market’s looking for 2020, we feel confident saying now’s a FANTASTIC time to be selling Medicare Advantage (MA) plans. Here’s why. The Kaiser Family Foundation (KFF),...(read more) Why You Need to Make Time for Medicare Training (& Where to Find Great Resources!) It’s the Annual Enrollment Period, the busiest time of the year if you’re a Medicare agent! More sales translate into more money. And we all know time is money, so the more...(read more) Value-Based Care for Medicare Enrollees Is the Future All of us want our doctors to actually care about our health, not to just fill their patient quota for the day. Well, the government wants that too, for their own reasons... (read more) Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
On this episode of Money Savage MAXIMIZE, we talked about the history and current state of long term care in America, how paying for the cost of it has changed and why employers offering it could make a lot of sense with Marc Glickman, FSA, CLTC, LTCP and CoFounder of BuddyIns. Listen to learn the tax and general advantages of offering long term care insurance as an employee benefit! For the Difference Making Tip, scan ahead to 18:07! You can learn more about Marc at BuddyIns.com, Facebook and LinkedIn. Interested in starting your own podcast? Click HERE George is honored to be included on Investopedia's list of the Top 100 Financial Advisors for 2019! You can learn more about the show at GeorgeGrombacher.com, Twitter, LinkedIn, Instagram and Facebook or contact George at Contact@GeorgeGrombacher.com. Check out Money Alignment Academy as well!
Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales. Read the text version. Mentioned in this episode: Ritter’s Sales Team The latest from Agent Survival Guide: 4 Perks of Partnering with an FMO 4 Ways to Fund Long-Term Care: Hybrid Insurance FAQs about AHIP Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
Think LTCi is your client’s only option? Explore Short-Term Care Insurance and its benefits. Read the text version. Download the infographic > Mentioned in this episode: Are You Offering Multiple LTC Options?The Key to Accessing High-Cost CareLongtermcare.gov: Who Needs Care?Short-Term Care Insurance Policy Sales Grow 20 PercentSTCi Claims and Payments Rise in 2016 More episodes you'll like: The Increasing Value of Combining Life and LTC Insurance | ASG138 Do linked-benefit Life/LTC insurance products have a place in your portfolio? Find out why the market is ripe for these types of plans right now! Identifying Ideal LTCi Clients | ASG104 Get to know the characteristics of Long-Term Care insurance buyers. Use these tips to comb through your book of business and find potential sales you might be missing out on! 4 Out-of-the-Box LTCi Solutions | ASG103 Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional solutions that just might do the trick. The latest from Agent Survival Guide: 3 Ways to Calculate Your Client’s Life Insurance NeedsAn Alternative Approach to Long-Term Care PlanningThe Increasing Value of Combining Life & LTC Subscribe & Follow: Apple PodcastsGoogle PodcastsOvercastPodbeanSpotifyStitcher Connect on social: FacebookTwitterYouTubeLinkedIn
Brian Ott and Madalyn Lutsch sit down in studio to talk about the process of Converting retirement accounts to LTCi.
On this week's show, Michael and Vanessa discuss the certainty of rate increases on long term care insurance policies. Mike reviews an actual policy and breaks-down ways to offset future cost increases.
Maryglenn Boals has spent her entire career focused on healthcare, insurance and the challenges faced by the aging and disabled. LTCi is her career path and her passion. She is a former licensed nursing home administrator, recognized locally and nationally for her work in the field of Aging. She is certified by the Corporation for Long Term Care, and has trained with one of the country’s top elder law attorneys. Maryglenn holds a certificate in gerontology. But, her personal life experience has taught her how valuable knowing the ins and outs of long-term care can be. Understanding long-term care insurance coverage is a first step in appreciating how it can be used in planning for care at home.
Jesse R. Slome, an award-winning public relations professional recognized for his work marketing the Cabbage Patch Kids dolls, is one of the nation’s leading experts in the field of marketing insurance and financial products. Slome is founder and president of Sales Creators, Inc., the nation’s largest producer of generic LTCI sales and marketing material. Prior […]
Jesse R. Slome, an award-winning public relations professional recognized for his work marketing the Cabbage Patch Kids dolls, is one of the nation’s leading experts in the field of marketing insurance and financial products. Slome is founder and president of Sales Creators, Inc., the nation’s largest producer of generic LTCI sales and marketing material. Prior […]
Mac McCurry gives an overview of how to plan for income during your retirement years, as well as a brief history of long-term care and how it has changed. He also covers long term care insurance (LTCI) and why it should be a part of your planning to help maintain your assets and quality of life.
Mac McCurry gives an overview of how to plan for income during your retirement years, as well as a brief history of long-term care and how it has changed. He also covers long term care insurance (LTCI) and why it should be a part of your planning to help maintain your assets and quality of life.
Investors around the globe are always eager to hear a few sage words from the Oracle at Omaha. In this episode Dave and Steve discuss Warren Buffet’s annual shareholder letter. Also, Dave brings us up to speed on the latest Long Term Care insurance news.
In this week’s podcast Dave and Steve discuss the recent NY Times article about Long Term Care insurance. In the article Dave and his clients are extensively quoted about their experiences in the ever changing Long Term Care insurance marketplace.
Should you expect a 5% return over the next 10 years? A new report suggests this is unlikely. Dave and Steve break this down and what it means for your retirement accounts.
Steve and Adam speak with guest Kari Bracy, a long-term care insurance specialist about the importance of LTCi in planning and wealth protection.
Steve and Adam review another good week in the market that saw Amazon.com surpass Walmart as the world's largest retailer. Continuing their series on long term care planning, they welcome a special guest Elizabeth Cabbage. Elizabeth runs a home health agency, and provides her first hand insight on people that have LTCI and those who don't.
When a loved one requires long-term care, it can have a profound effect on a family. Long-term Care Insurance (LTCI) can help you protect your family. The post Want to Protect Your Family? Make LTCI a Priority appeared first on Retirement Income Center.
When a loved one requires long-term care, it can have a profound effect on a family. Long-term Care Insurance (LTCI) can help you protect your family.
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