The reality is, as people start to live longer, the greater the likelihood is that your clients will require long-term care.

Now LTC Insurance is a comprehensive product that helps cover the cost of a variety services.

Taking the time to explain the tax advantages may provide the tipping point for clients who are hesitant about purchasing a policy.

Your main goal should be asking the right questions. Many producers make the mistake of showing an illustration too soon – the premium then becomes the problem instead of the solution. You must first develop the need.

Kill two birds with one stone with a joint life product, which not only protects your client and his/her spouse, but also uses the same funds to do so.

While your clients have more choices than ever before, it is vital to be aware of the associated costs in order to build a better asset protection plan.

Waiting to purchase coverage could mean higher premiums or even be denied coverage. Remind your clients to start planning early while they are young, healthy and able to take advantage of more favorable rates and discounts.

There’s a smart strategy to help your clients get the protection they need, without incurring tax penalties or risking legacy planning.

Join us to learn more about this innovative VUL solution.

Rather than focusing your sales presentation on benefits and features of the policy, focus your conversation on how the need for LTC can impact the client’s family.