“In an ongoing effort to maintain the commentary integrity and political distribution neutrality of this column, it is important to disclose that on a “consulting” basis my partner Barry Fisher and myself have been directly involved in the creation and management of a new, and we certainly believe innovative, approach to helping those seniors and […]
“My prejudices and biases expressed repeatedly in this column concerning those who have chosen to make a difference in blunting the full force of chronic care are if nothing else well documented. However, I am not sure I have adequately expressed the well from which I continue to draw my eternal optimism and blind faith […]
“It is that time again where many of us make promises to ourselves to hopefully reform our most aberrant concerns. These self-reflective and intended to be self-fulfilling prophecies are usually based on our oldest and most worrisome personal shortcomings. Topics which we have probably unsuccessfully attempted to address in the past. Therefore not categorizing by […]
“Indeed something profound, devious and game changing is happening quietly that will forever alter the trajectory of chronic illness planning. On multiple occasions in this column I have taken the position that all life and health agents should be required to be “certified” and held to a basic fiduciary standard concerning the necessity of addressing […]
Download the webinar for Broadtower’s Year-End Report. With transition and change being the name of the game in 2016 and 2017 fast approaching; it’s time to consider how the opportunities we’ve put in place will turn next year into the most profitable for long-term care planning.
“The long term care insurance industry is barely 30 years old. While some of the early years have been painful, we have accumulated a wealth of information concerning the true nature of the risk we are insuring. Armed with this new knowledge, the way to a bright future is becoming clear. The quest to find […]
John Hancock announced the discontinuation of their Individual LTCi policies in all states. Please review the below PDF for additional information and important dates relating to this announcement. John Hancock Announces Discontinuance Of Individual LTCI Sales PDF
Much the same could be said about the long term care insurance industry. However, a high-level perspective of the situation indicates that public policy concerns and private sector innovation are actually beginning to help consumers.
Traditional long-term care insurance placement rates have plummeted over the past 18 months due to more rigorous underwriting requirements. Declines on one spouse or the other and policies issued at rate classes greater than applied for have caused a spike in policies not taken or accepted by one or both of the insureds. The consequence […]
OneAmerica’s released their LTC Awareness Campaign – remind your clients how they can protect their future with Long Term Care coverage. Download the resources that will best reach your clients and start your campaign today. For more information, view the PDF below. OneAmerica’s LTC Awareness Campaign PDF