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...vered for their entire lifetime as long as they continue to pay the premium. T...licies come with higher premiums than term life insurance policies. Evaluating your budget is important to determine if you can afford the premium payments. When considering cash value life insurance, it's important to unders...

...her-than-expected death claims, as long as the policy owner has paid the stipu...l income tax liability) can only be determined over time. There’s nothing wron...

... . We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All long term care insurance Articles tagged with long term care insurance Back Long-Term Care Insurance: Another Cross-Marketing Door For P/C Agencies This content has not been rated yet. CompleteMarkets Editor , david goodwin 4/30/2013 12:00:00 AM The Long-term ... (LTC) family of products includes coverages for nursing homes, adult day care, home health care, assisted living facilities, and other related benefits. LTC has unique qualities, and there are many variations among the carriers. LTC isn't a new concept. The coverage has been around for decades, but only recently has it been widely discussed. With the new wave of interest in LTC, sales took off slowly, built up, and then leveled off. All of this activity adds up to this picture: A large ... of LTC prospects have heard about the product but haven't yet bought it. Why not? All Articles by CompleteMarkets Editor Comments (0 ) Long-Term Care Insurance: Not For Seniors Only! This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:40:04 PM LONG-TERM CARE INSURANCE: NOT FOR SENIORS ONLY! Imagine an insurance product that your clients will keep for 20 or 30 years, or longer, while continuing to pay you generous commissions.. All Articles by CompleteMarkets Editor Comments (0 ) ...

... 65-and-older population represents an enormous marketing opportunity, ' says Conning, with many seeing the transaction as a financial boon, especially if they have a Term policy that they may otherwise view as worthless if it's dropped. Formerly labeled viaticals, ' the industry has come a long way. Viaticals are now generally defined as those involving life expectancies of 24 months or less; life settlements, ' two years or more. The early days of viaticals were riddled with scandals. Fraud was committed, wild promises were made, some investors were ... party at a discounted price. The seller, for various reasons, might not want to keep the policy any longer, might not be able to afford it, might not need it, or might simply prefer to get cash right away. The policy may be Term, Cash Value, Group, or Individual. The insured might or might not be healthy, but as a general rule of thumb, their life expectancy should be about 15 years or less and the policy face should be about $100,000 or more ... those involving life expectancies of 24 months or less; life settlements, ' two years or more. The early days of viaticals were riddled with scandals. Fraud was committed, wild promises were made, some investors were hurt, and some firms were closed. Normal care is still needed, as in any transaction, but now legitimacy prevails. Insurance companies are among those buying the policies and holding them as investments. When they first hear of life settlements, many agents don't know the common situations in which the concept applies. ...

Long-Term Care Insurance: Not For Seniors Only!
LONG-TERM CARE INSURANCE: NOT FOR SENIORS O...vidends.   America's need for long-term care will increase as health care costs continue to rise. The oldest ...

... . We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All long term care Articles tagged with long term care Back 10 Basic Planning Initiatives That Will Add To Your Bottom Line This content has not been rated yet. CompleteMarkets Editor , Ken Buehler 4/30/2013 12:00:00 AM 10 BASIC PLANNING INITIATIVES THAT ... ADD TO YOUR BOTTOM LINE by Ken Buehler The need for planning has never been greater. While planning focuses on profit.. All Articles by CompleteMarkets Editor Comments (0 ) Commercial Lines Marketing Plan: Part I This content has not been rated yet. CompleteMarkets Editor , Jack Fries 4/30/2013 12:00:00 AM Successful marketing of Commercial Lines requires a detailed plan. The first step is to assess where you are right now. In this first of a three-part series, Jack Fries examines the preliminary steps that ... agency should take in marketing Commercial Lines. All Articles by CompleteMarkets Editor Comments (0 ) Cross-Selling Financial Services: Today's Urgency This content has not been rated yet. CompleteMarkets Editor , david goodwin 4/30/2013 12:00:00 AM As an independent agent, you enjoy a unique potential to cross-sell financial services to your clients. Here's how to take advantage of this opportunity. All Articles by CompleteMarkets Editor Comments (0 ) Don't Wait For An E&O Suit: Mention All Services Today! This content has ...

Should You Consider Long-Term Care Insurance?
Chances are, y...f mind that results from an effective Long-Term Care policy. Our professionals can help ...

...ng? Will the sellers stick around long enough to help with the transition? Wi...x laws will change agency values. The terms of sale can be even more important...

... Long Term Care Insurance Another Cross Marketing Door For P C Agencies ...

...k you know it when you see it) the long list of technical definitions of repla...irectly. The next section of the RQ determines whether the agent has reviewed ...