Education

“I am not going to stand on the deck of an aircraft carrier and proclaim a premature cessation of all hostilities. Chronic illness in my humble yet persistent opinion remains America’s largest unprotected risk. To a large extent we still have an industry with its head deep in the sand hoping the approaching storm will […]

Identifying funding sources can help determine a budget and provide direction on which premium payment option to recommend. Join Marc Glickman & Michael Machlovitz from the NGL EssentialLTC team for the next installment of the Essential How-To’s webinar series for tips on how to use the Single, 10-Year, and Lifetime Premium Payment options based on […]

“It seems that it is primarily similarities that define generational progression, specifically as it regards common experience resulting from the age cohort’s place in history – social, political and economic. The most agreed upon period of time appears to be in the 30 year duration range per generation. More than enough ink has been spilled […]

“The readers of this column I am sure understand that I make a living outside these musings and frequent pontifications. As a consultant I have been primarily involved in product development and wholesale brokerage distribution strategies directly associated with long term care insurance for over 20 years. The comments this month may be a little […]

“Like many readers of this column I am second generation “wholesale brokerage.” The promise that my father helped develop beginning in the early 1960’s was a guaranteed commitment to America’s consumers to deliver the best product at the best price. However, I clearly remember his first insurance sales lesson: “Son, the best sale is an […]

“I know many of you have visions of a Grandmother or Aunt who wore one of those shapeless amorphous sack dresses. They covered a world of sins and no one really wanted to know exactly what was going on underneath. What we were sure of was that nothing really risky was ever going to see […]

“The 500 pound canary squatting squarely in the middle of any conversation about custodial care remains our gift from Lyndon Johnson. I do not mean to extend any normative values to Medicaid.  In many ways it may be our single most effective exercise at establishing and funding social justice. Because it is primarily a state […]