NAIC Shopper's Guide to LTCi

2012 LTCi Teleconference Schedule from Mutual of Omaha and United of Omaha

Selling LTCi is Easier than You Think!

Especially when you have access to all the tips, tools and training you need. Join our monthly teleconferences for information that will help simplify the sales process and give you the confidence to sell with ease.

View the 2012 LTCi Teleconference Schedule

The Road to Securing Your Future: 10 Things Your Clients Need to Know about Long-Term Care

Be Prepared for Long-Term Questions when they come. Get the answers to 10 questions your prospects should be asking about long-term care.

Click Here to Download 10 Things Your Clients Need to Know about LTC

A No-Nonsense Look at Long-Term Care and How to Pay for It

Kiplinger put this video together to help people understand long-term care and how to pay for it. The content is totally product neutral so it's not a sales pitch for any particular carrier (though there is an ad for John Hancock at the beginning).

We think it should be required viewing for all prospects, clients and even agents during Long-Term Care Awareness Month!

Watch this video: No-Nonsense Look at Long-Term Care

Dial Down Premium To Make an LTCi Policy More Affordable

Your client understands the need for LTCi, but feels the premium is too costly. He wants the policy, but can't afford the premium.

With all the options available on Mutual of Omaha's LTCi products, you can help the client “dial down” the premium to fit his budget. After all, some long-term care insurance is better than none. You can dial down premium in a number of ways:

• Adjust the inflation protection option
• Reduce the monthly benefit amount
• Reduce the maximum monthly benefit amount for assisted living
• Adjust the benefit period
• Adjust the elimination period

Want to learn more about "Dialing Down Premium?"

Get more LTCI Sales Tips from Mutual of Omaha

Long-Term Care Numbers Positive or Negative?

Hardly a week goes by that I don't read an article about how Americans are ill-prepared for a long-term care event, or how Medicaid is trembling under the weight of all the uninsured individuals receiving long-term care. An optimistic person might look at those facts as evidence of the tremendous need for Long-Term Care insurance (LTCi). But those who are more inclined to look for the gray lining in every opportunity might jump to a different conclusion: “Apparently, nobody out there is buying Long-Term Care Insurance,” they think. “Guess I won't bother trying to sell it.”

These negative agents will find any number of reasons to convince themselves that their conclusion is true: LTCi is expensive, underwriting is too onerous, it's hard to find leads, people don't want to pay for something they may never use. But the evidence is not on their side.

Read the full article: Long-Term Care Numbers Positive or Negative?

Think it's all doom and gloom in the Long-Term Care market? Think again.

While 2010 certainly was a volatile year for Long-Term Care insurance—with the passage of the CLASS Act, premium increases and carrier exits—one important thing has not changed: the overwhelming need for LTCi.

View the presentation below for an insider's view of Long Term Care in 2011.

Are your clients in the “Sandwich Generation?”

Every year, more and more Americans find themselves “sandwiched” between raising their children and managing care for their parents. It is imparative for agents to understand this dilemma, as well as understand and offer solutions to manage the situation. Watch this Video: The Sandwich Generation

At 3 Mark Financial, we believe that the more you know, the more you can sell. That's why we created 3 Mark Financial specifically to educate agents about our products and on keep you up-to-date on the latest changes in the industry.