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The Top-10 Reasons That You Made The Right Decision To Attend The Broadtower Insurance Solutions 2015 Distributors Summit In Colorado Springs

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March 20-22, 2015 Broadmoor Hotel and Resort in Colorado Springs

    1. Meet and learn from top decision makers and thought leaders from Genworth, John Hancock, LifeSecure and Transamerica;
    2. Discover why the best days of long-term care planning are ahead of us.
    3. Attend and participate in a lively, entertaining and informative panel discussion on traditional and linked long-term care insurance underwriting featuring senior underwriting professionals from LifePlans, Mutual of Omaha, Genworth and John Hancock;
    4. Learn how to improve your agency’s placement rates and profitability.
    5. Find out how the latest agent training tools in the industry can motivate your producers and lead to long-term care insurance sales success.
    6. In a few short minutes discover the unique competitive advantages of the lead products that we sell and how best to position them in the marketplace.
    7. Learn how Broadtower Insurance Solutions can enhance your bottom line and how our added services, support and products can make long-term care insurance marketing and sales a larger part of your agency’s value proposition.
    8. Discover how our new members and relationships can enhance your agency’s offering and profitability.
    9. Network with your friends and colleagues.
    10. Enjoy the beauty of the Rocky Mountains the amenities of one of the world’s greatest resorts.

Click Here For A Complete Meeting Agenda

We look forward to seeing you later this month.

HIPAA And Compliance

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As you are well aware, compliance and HIPAA are high profile concerns of successful BGAs and their down lines.  We have put together a couple of related items for your consideration – take the time to review the content, and please forward to others in your agency who may benefit from the information…

Education: We found a good course that covers HIPAA thoroughly.  Here’s a blurb you can use as a template – modify it as you see fit to let your down line know the course is available and recommended: HIPAA Training – Privacy And Security For Business Associates / With recent changes to HIPAA laws now in effect, we highly recommend you consider a refresher course on the regulations.  The audio course is simple, easy to navigate, and takes just over an hour to complete.  During the course there are periodic exams, with a final assessment at the end – it’s a quick way to get up to speed on HIPAA regulations, and learn what it takes to remain/be in compliance.

Learn More Here

Among the items covered during the course are:

  • What is HIPAA
  • What is a Business Associate Agreement and what does it require
  • What is and is not considered Protected Health Information
  • When is an authorization required and not required
  • What is the law  – civil and criminal penalties

Technology: PaperClip has released a new, cloud-based email encryption program called Agent4. Agent4 allows you to send your clients’ private information in a secure email environment as well as stay compliant with HIPAA and FINRA regulations. Unlike other solutions such as Sharefile, Agent4 encrypts the text in the body of an email and the attachments.  Agent4 has an annual fee of $75 per email account – Broadtower has secured a 15% discount for the first year.

See Details Here

Sign up below and enter BROADTO2014 in the coupon code field.

Sign Up For Agent4 Here

Related Language For Use As You See Fit: HIPAA compliance looks differently and varies from producer to producer depending on whether they conduct business in paper-only, electronically or some combination of the two. Each business associate must individually assess their own office environment and how they conduct business. In every case, a business associate will need to be able to provide evidence that they have implemented and maintained appropriate administrative, physical and technical safeguards that protect the confidentiality, availability, and integrity of applicant and customer information and prevent prohibited uses or disclosures of that information. These responsibilities extend to applicant or customer information that the business associate creates, receives, stores or transmits either electronically or in a paper format.

We at Broadtower thank you for your efforts related to compliance and the protection of your clients’ personal data.

What Can We Do?

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In dealing with the day-to-day trials and tribulations of the insurance business, agents and advisers spend a great deal of time putting out the “fire” of the day. Over time, our primary job of helping customers identify and mitigate risk can blur as we go from one hotspot to another without asking the most important question, “What can we do for you that will help you sleep better at night?” After all, isn’t peace of mind the greatest service we provide?

In my small corner of the insurance world, we wring our hands about higher premiums, tougher underwriting, and worries about carriers staying the course. No doubt these are topics of interest, but obsessing on real or imagined problems robs us of the bandwidth required to provide some level of financial security in a rather menacing world. While most of our clients don’t have to worry about real lions and tigers eating them for lunch, they do need to be wary of not having the fiscal means to put food on the table or afford the care they need.

As our customer’s guide in the financial wilderness, job one is to help them identify risks and arm them with the weapons to fight the unexpected costs of a lost love one or a chronic medical condition. We can’t always provide 100 percent of everything our client needs or wants, but some protection always beats a blank. Getting better at helping consumers take incremental steps towards financial security is the world we live in today. The reality is that most consumers would be well served if they could at least co-insure many of the financial risks they face.

The good news is we have numerous options to supplement retirement income and savings and to ease the burden when long-term care is needed.

Here are some examples:

  • A traditional LTCi policy with a two-year benefit and a future purchase option;
  • A term or permanent life insurance policy with a chronic illness accelerated death benefit;
  • A critical illness policy that fills the gaps in care provided by today’s health insurance plans;
  • Reposition a rainy-day fund into a life or annuity product that provides long-term care benefits;
    • Great 1035 Exchange opportunities here; and
    • Some annuities provide simplified underwriting for tough cases

Sometimes an incremental strategy of small risk management solutions is the best option for consumers who are struggling with other financial obligations. Don’t overlook these mid-market sales. They can translate into sustained serious income for you and along the way, you may get the “elephant” that you’re hunting for.

Start The LTC Conversation With Innovative Marketing Materials

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Let’s Talk Email Campaign

November has been declared Long Term Care (LTC) Awareness Month by the American Association for Long Term Care — take advantage with the help of Broadtower and its new client marketing campaign. The “Let’s Talk” campaign will grab your client’s attention and get the Long Term Care Insurance (LTCI) conversation rolling.

  • Client Email Campaign
    This turn-key marketing email can be customized specifically to your business and will initiate your successful campaign, generating new leads.
  • Client Brochure
    Use the “What’s Your Plan” client brochure as a tool to start the conversation about incorporating LTC coverage into your clients’ financial plans

Access The Campaign Materials

Initiate an LTCI planning conversation with your clients, raise awareness, and increase your ROI this November with new sales and marketing tools from Broadtower Insurance.

Connect and engage your clients with additional LTCI industry resources:

  • Video
    Educate your clients through an assortment of videos which you can incorporate into your online marketing outreach.
  • Social Media
    Attract your customers with prewritten social-media content to post to your social profile pages.
  • Flyers
    These attention-grabbing flyers can be sent digitally or downloaded and printed out.