Articles

	Articles Long Term Care articles written by our staff of experts Selling Certainty in These Uncertain Times By Peter S. Gelbwaks, CLTC Want to sell more LTC insurance in this economy? This article gives you three certain concepts in these uncertain times that work and will work right now for you. LTCi Sales for Dummies - The Money Exchange Has Arrived! By Peter S. Gelbwaks, CLTC This article speaks to handling the two biggest objections to buying Long Term Care insurance. It is too complicated and too expensive! What is Best for an LTCi Prospect? By Julie Gelbwaks Gewirtz, CLTC In today’s economy, we need more than ever before to help prospects find affordable Long term care insurance coverage. Now is the to start realizing that something is better than nothing. Update, Upgrade, and Celebrate Peter S. Gelbwaks, CLTC In this economy, many LTC insurance advisors are struggling to choose the right carrier. This article will give you insight and help you to find your way through the maze. The LTC Claims Experience - A benefit we should be selling! By Julie Gelbwaks Gewirtz, CLTC Think about using the LTCi claims process as a selling feature rather than product bells and whistles. Familiarize yourself with five very positive parts of the claims experience. The Evolution of Long Term Care By Peter S. Gelbwaks, CLTC How did the Long Term Care insurance industry begin and what does it look like today? Read about the evolution of the product line beginning in the 1960’s and how it has dramatically changed over time. The CLASS Act - Is it an act to follow? By Julie Gelbwaks Gewirtz, CLTC Have you heard of the CLASS Act? It is legislation that could dramatically change the way we all do business in the Long Term Care insurance industry. The State of Our LTCi Union - The Bad News and the Good News By Peter S. Gelbwaks, CLTC Where did the Long Term Care insurance industry go wrong? Have the mistakes we have made doomed the future of this product line? Absolutely NOT! Understanding that growing pains are natural is the key message here. Selling the Need By Julie Gelbwaks Gewirtz, CLTC Product, product, product – it’s the name of the game, right? This article will tell you why it shouldn’t be. Long Term Care sales ought to be focused on the need. Change your approach and it just may increase your chances of success! Referrals Mean Business By Julie Gelbwaks Gewirtz, CLTC Referrals can be your best lead source for LTCi sales. This article gives you a dozen ideas on how to get more and make them an integral part of your business plan. Partnership Do's & Don'ts By Julie Gelbwaks Gewirtz, CLTC This article gives you three important Do’s as well as three just as important Don’ts when it comes to selling Post Deficit Reduction Act (DRA) Long Term Care insurance Partnership plans. MultiLife LTCi Sales are not for all agents but... By Richard Rusoff MultiLife LTCi – Only for agents interested in a foundation for their future in the LTCi business, a way to establish a presence, and create leads for their LTCi sales. LTCi Underwriting is Not What You Might Think By Julie Gelbwaks Gewirtz, CLTC Read this article to get a good idea of what to expect when writing an LTCi application and how it specifically differs from underwriting in the Life, Disability and Health insurance arenas. Long Term Care insurance is Just Too Expensive! By Peter S. Gelbwaks, CLTC Look at some specific marketing tips and real examples of how to sell LTCi in the marketplace today. Is your sales approach working? If not, learn a few quick tips that can turn your LTCi proposals into applications. LTC Insurance - The Perfect Holiday Discussion By Julie Gelbwaks Gewirtz, CLTC Holiday time is the right time to make LTC decisions. Families come together, people are generous and financial plans are being set for 2010. Right NOW is your perfect opportunity! LTC Caregivers Defined By Julie Gelbwaks Gewirtz, CLTC This article clarifies how differently LTC insurance contracts define who can be a qualified caregiver. It discusses the four distinct types of approved caregivers and explains specifically what to look for in a plan. It will help you to determine which choice is best for your client. LTC Insurance - The Time is NOW! By Julie Gelbwaks Gewirtz, CLTC This article will take you through 10 important tips when selling Long Term Care insurance in the marketplace today. It helps to simplify a very complicated product line so that you can go out and sell right away! LTC Insurance - How to Cash in on CASH! By Julie Gelbwaks Gewirtz, CLTC In this article, you will find four innovative sales ideas utilizing different forms of cash benefit Long Term Care insurance. Use this fresh new approach and you will definitely “cash in on cash” in 2009! Inflation Options - Growth, But at What Cost? By Julie Gelbwaks Gewirtz, CLTC Long Term Care insurance inflation choices have come a long way. Today, we have a myriad of options to choose from, but do we understand how they all work? Five Long Term Care insurance Markets Being Overlooked By Most Agents By Peter S. Gelbwaks, CLTC Looking for leads? Follow these guidelines and you might just happen upon a variety of new prospects for Long Term Care insurance. Becoming An Owner of the Concept and the Contract By Peter S. Gelbwaks, CLTC Successful Long Term Care insurance marketers all have a few important things in common. This article will help you realize how easily that successful marketer can be YOU. 2009 - Will this be your year? By Peter S. Gelbwaks, CLTC Sometimes we have to take a step back and think about how we perceive our own success. YOU are the only one that can truly make a difference when it comes to increasing your LTCi sales in 2009. Don’t just stay the course, change the course and you will be on your way to the top! 90 Day Certification...Expected? By Julie Gelbwaks Gewirtz, CLTC Do you know your LTCi policy language? There is one specific word that can make all the difference in the world when it comes to a Tax Qualified approval or denial at claim time. Short & Fat LTCi Plans - The Way To Go! By Julie Gelbwaks Gewirtz, CLTC This article will give you a quick overview of policy design trends of today and how they differ dramatically from the way LTCi was sold over the past twenty years. What to look for in an LTCi General Agency By Julie Gelbwaks Gewirtz, CLTC Finding the right LTCI general agency to do business with can be confusing and difficult. Follow these 10 simple steps to locate the best one for you. More Financial Plans Embrace LTCi By Peter S. Gelbwaks, CLTC It is becoming much more common for affluent individuals to consider long-term care coverage as part of their overall estate plans. CLASS ACT Update By Peter S. Gelbwaks, CLTC The top five things to know about the CLASS Act and five suggestions on how to deal with it. LTCi Options For Uninsurable Prospects By Julie Gelbwaks Gewirtz, CLTC This article will give you four possible solutions for unhealthy individuals who are looking to purchase Long Term Care insurance coverage. LTCi Policy Review By Julie Gelbwaks Gewirtz, CLTC Have you been asked to review an old LTCi policy? This article will go over everything you should look for and how to advise your client when the time comes.

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