by Vincent P. Benitez, RHU, CLTC | Aug 3, 2016
More and more consumers are concerned about planning for long-term care, often due to a personal experience with a loved one who needed care. Ask these five questions to get started and you’ll have a good idea of how to structure the policy. 1. How long can you afford...
by Vincent P. Benitez, RHU, CLTC | Jun 10, 2016
Harley Gordon, a recognized authority on long-term care, suggests advisors may find more success with long-term care insurance sales when they shift client conversations from the likelihood of needing long-term care to the consequences to loved ones when there is no...
by Vincent P. Benitez, RHU, CLTC | Mar 28, 2016
Wondering who should have long-term care insurance? The product is often a perfect fit for Americans with $100,000 or more of investable assets according to a recent Wells Fargo study. The study describe this target market as working affluent, American workers with...
by Vincent P. Benitez, RHU, CLTC | Feb 24, 2016
The clouds are clearing around long-term care insurance. Sales of new policies in 2014, the most recent data available, were up for the majority of carriers. New, improved, products are in the pipeline. For many, new policy premiums are falling. If you rely on facts...
by Vincent P. Benitez, RHU, CLTC | Jan 26, 2016
Clients who are responsibly preparing for their own retirements may be unaware of the financial risk they may face if their parents haven’t planned for long-term care expenses. Only 7 percent of Americans carry long-term care insurance. Without it, institutional...
