https://completemarkets.com/Article/article-post/1598/LONG-TERM-CARE-INSURANCE-NOT-FOR-SENIORS-ONLY/
... LTCI address two sides of the same problem. One replaces salary, while the other covers the cost of care. Neither one alone accomplishes the whole job. &# 160 In my LTC sales coaching sessions and seminars, I stress closing the sale in one call when selling to retirees because they can see LTCI as a real, immediate need. With middle-aged prospects, you rarely close in one visit and probably shouldn't try. With pre-retirees, you must first put the issue of long-term care on their radar screen and build a sense of urgency. Concentrate on doing this during your first call. &# 160 If you've made real progress in creating the need in your first call, concentrate on closing the sale in your second call. This involves comparing policies and rates and overcoming objections. ... they've not yet seen their health begin to alter. &# 160 It's up to the agent to spell out the facts and create the need. As an agent, you need to focus on the "what ifs" for this group. "What if you're permanently injured after a car crash and need care? How would you pay for it?" Today, a private room in a nursing home costs about $137 a day, or $50,000 a year, according to a MetLife survey. This is only an average ? in some cities the price can double. &# 160 Ask your middle-aged prospects about the health of their parents. The long-term care issue becomes more real after experiencing or thinking about providing long-term care for a parent or relative. &# 160 ...
https://completemarkets.com/Article/article-post/1946/Banks-And-Agencies-A-New-Way-Of-Doing-Business/
... you can't give everyone of them your best deal. REGULATION. Banking and insurance are both regulated. You recognize regulation as licensing, continuing education, and occasionally having to answer to an inquiry from the Department of Insurance. You don't defy regulators; you tolerate them. Bankers hold their regulators in awe. Regulations and the auditors that watchdog them have shaped banking and its products and processes. Auditors visit often and have their way with bankers. When an auditor says Jump', the banker asks How high? ' To agents, auditors are curious interruptions. When they say Jump', the agents say, We'll discuss this when I get a chance. Only the client tells the agent when and how high to jump! COMMISSION. It's why agents do what they do! It's how they ... Way Of Doing Business 3/28/2014 by CompleteMarkets Editor , Michael Manes This content has not been rated yet. The speakers on the tape I was listening to said, When you complete the process of rearing your children, you want to be certain to maintain a reasonably good relationship with them. You see, your children will make two decisions that will significantly affect your life: what nursing home to select and when to pull the plug. Sobering thought? You bet. I was listening to this tape in the middle years of parenting my two children, when I didn't feel it was working out the way I thought it should. I was trying to live up to the whitewashed concept of having children: cute babies, good night sugar, ' refrigerator pictures, dance recitals, ...
https://completemarkets.com/Article/article-post/405/Customer-Service-Actions-Speak-Louder-Than-Words/
...ir day, coordinated by the agent. Nurses were on hand to review health assessm...
https://completemarkets.com/Article/article-post/819/Using-Words-The-Same-Way/
...For example, both physicians and nurses are taking time to explain procedures...
https://completemarkets.com/Article/article-post/1101/WOMENS-INDEPENDENT-GUIDE-TO-INSURANCE/
... , employees are advised to maintain some level of separate coverage if their employer's coverage is not adequate. A personal policy also is good insurance in the event that you are laid off and, due to health problems, would not be able to get coverage for a new life insurance policy. &# 160 Health Insurance. Covers costs related to your health and your family's health, such as doctor visits, hospital expenses, and diagnostic tests. While many employers provide some level of health insurance, you may need to supplement the coverage or, when self-employed, secure health insurance for you and your family. &# 160 Disability Insurance. Pays the individual(s ) covered for income lost due to a disabling injury or illness. It enables your earning power to continue even if your earnings ... not. Again, some employers offer basic disability insurance that covers extended illnesses, but you need to determine if the coverage is long- or short-term to meet your needs adequately. &# 160 Long Term Care Insurance. Provides coverage for skilled and custodial care in a nursing home. Some policies also may cover home health care expenses. You can purchase coverage for yourself, your spouse and your parents to offset the costly expense of nursing home care, which most people pay out of their savings. Policy costs are determined by the age and health of the individual, type of care, and other factors. &# 160 Governmental Benefits. The government offers several types of supplemental insurance to the elderly, retirees, disabled, and disadvantaged individuals. Programs include health care, disability, and ...