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Herding Cats – The Last Word On LTCi

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“According to the National Retirement Risk Index: ’52 percent of households are ‘at risk’ of not having enough to maintain their living standards in retirement.’ When you bombard this fragility with caregiving costs, substantial emotional and financial suffering awaits far too many Americans. None of this is taking place in a vacuum.

The conversations concerning acknowledging the reality of the risk are proliferating.  I  don’t  think any of us have ever witnessed such an overwhelming need juxtaposed with a wasteland of adequate response. My mind remains unable to grasp the dimensions of the sales opportunity in contrast to…”

Click here to read the full article, originally published in July’s edition of Broker World Magazine.

Bad Apples

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“I’m not sure where to begin this subject.  I know it has something to do with bad apples and rotten barrels. I know it seems to remain the most serious and perpetually frustrating part of my day. I know I simply have to locate and remove the bad apples which continue to threaten the normal harmony and peaceful flow of apple-cations through our offices. Unfortunately, the bad apples remain elusive and, for the most part, very hard to properly identify so one can take appropriate remedial action.

We seem to have entered a new and precarious era of placement ratios distress. I recognize that we can now count the available storage barrels for LTCI apples on fingers alone, no toes. And I know growing claims and the persistent noise of onerous rate actions haunt…”

Click here to read the full article, originally published in Broker World Magazine.

Metamorphosis

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Broker World Magazine – April 2015 Issue

Broadtower’s President, Ron Hagelman shares his thoughts on the future of the Long Term Care industry and its products in his monthly contribution to Broker World Magazine, a national insurance magazine.

“Many of us would probably admit that the inexorable advance of technology is sometimes simply overwhelming. It’s like that recurring dream where you are running but not distancing from what is inevitably gaining on you. Escaping the lack of future long term care planning strikes me as very similar. However, the truth is that the probability of at least a marginally adequate solution to America’s lack of long term care protection is excellent…”

Read the full article from Broker World Magazine here: The Last Word On LTCi – Metamophosis