by Joshua Morrison | Mar 5, 2019
A lot of people don’t plan for long-term care. Maybe they think they don’t need it – even though, according to the U.S. Department of Health and Human Services, 65-year-olds have a 70 percent chance of needing long-term care at some point. Maybe they think Medicare...
by Joshua Morrison | Apr 23, 2018
The NFL draft is just around the corner. What can you, as insurance agents, learn from an NFL general manager? Just as they are out seeking the perfect college football player to fit their team, you are out there searching for the best clients who need paycheck...
by Joshua Morrison | Mar 8, 2018
Sales professionals have a love-hate relationship with client objections. On one hand, an objection is an opportunity to take the conversation further. On the other hand, objections can create fear, unease, and stress … if you don’t know how to handle them. In...
by Joshua Morrison | Sep 21, 2017
The six Activities of Daily Living (ADL) are: Bathing, Dressing, Toileting, Continence, Transferring, and Eating. A person who needs Substantial Assistance performing at least two of these activities for 90 days or more is considered to be eligible for long-term care...
by Joshua Morrison | Sep 8, 2017
Without long-term care insurance, an individual is in effect, self-insuring for the possibility of long-term care. Self-insuring puts retirement income is at risk, may require illiquid assets to be liquidated, and the value of equities might be compromised when sold...
