Do your clients have “idle money” you don’t know about? Consider reallocating a portion of these assets into a linked benefit solution.

Use this simple concept to demonstrate the value of purchasing a Long-Term Care policy that includes a built-in cash benefit.

Today’s LTCi policies contain many benefits that will help your clients remain at home: access to a care coordinator, respite care to give volunteer caregivers a break, homemaker services, caregiver training, as well as extra funds to help pay for home modifications, medical alert systems or durable medical equipment. 

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

The “younger” segment of the LTC Insurance market (people age 45-55) represents a great opportunity to expand your business. But to be successful, it’s critical to understand their unique needs and concerns around buying coverage.

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

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

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

Having the ability to show your client various benefit combinations allows you to tailor a policy that meets their needs while staying within their budget.