Some association programs offer LTCi with unisex pricing and some offer LTCi with gender-distinct pricing. For...
Worksite Articles
Employer Sponsored: Stand Alone vs Linked Benefit
Stand-Alone LTCi is a staple in the employer-sponsored market but linked benefit is becoming popular as well. Of...
Voluntary vs Core Buy-Up vs Carveout for Employer Sponsored LTCi
There are three types of employer-sponsored LTCi programs: Executive carve-out programs: The attached SHRM Survey...
Powerpoint Presentations for Employers
We are continually adding new material to help you in your practice. See below our current available presentations and reach out for us to discuss! We have the following PowerPoint presentations for employers. In some cases, they need to be customized to the states...
Get Business Leads from Other Professionals
Many professionals focus in the business market. They may be willing to introduce you to their clients to provide valuable expert LTCi advice, particularly if you do not compete with them. Who are some of these professionals? Accountants Attorneys Property and...
Linked Benefits and Section 162 Bonus: A Great Fit!
Employer-Sponsored Linked Benefit Products A Linked Benefit product could be a good fit for a §162 program. We have two slides from Lincoln Financial on this part of our web-site to demonstrate the concept. It can utilize either a §162 bonus approach or double bonus...
Worksite UW & Size Participation Requirements
We recently updated our worksheet on Worksite underwriting size and participation requirements and wanted to share it with you. Check in with us to determine what's available in your client's jurisdictions for your client's profile. Insurer Type of Program Minimum #...
Executives and their Spouses are Likely to Spend More on LTC
You might get an executive’s attention by mentioning that executives and their spouses spend more on LTC than other people do. Would they agree that affluent people live longer (see table below)? Becaue executives are affluent, they live longer, Because they live...