LTCi for Employers

In the Workplace: 

The Case for Long-Term Care Insurance and Disability Insurance 


More employers are considering a long-term care insurance benefit for their employees. 

This additional benefit can help attract and retain great talent and also help employees better plan for their own futures. Since many employers already offer disability insurance (DI), there may 

be some confusion around the need for long-term care insurance (LTCi) and the differences between disability insurance and LTCi. 

Let’s take a moment to learn the differences between DI and long-term care insurance. Both benefits have a place in an employee’s overall financial plan. Long-term care insurance and disability insurance are both designed to help someone cope with a loss of function but for different purposes. However, they have some commonalities, including: 

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Sponsored by AGA


Supercharge Your Pre-AEP Marketing and Communications

Be ready to engage with your clients and grow enrollment 


The Annual Enrollment Period (AEP) is the pinnacle of the year for independent insurance agents selling Medicare plans. With millions of Medicare beneficiaries to serve and intense competition in the market, it’s crucial to be well-prepared. Don’t wait until October 1 to kick start your efforts! In this article, we’ll explore powerful pre-warming activities that will help you stand out, engage your target audience, and optimize your success during AEP. 

When is the Medicare Annual Enrollment Period (AEP) for 2024? 

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The Art of Transferring Trust 


As I hopscotch the globe speaking to most of the Fortune 500 companies, NBA and NFL teams, Million Dollar Round Table members, senior military leaders and coaching thousands of corporations and Associations, two questions always take center stage. CEOs, HR directors, and meeting professionals/event planners want to know: ‘How do you get everybody in the organization to care as much about the organization as you do?’ 

Answer: Grow more leaders who believe what you believe, instead of generating more followers — and ‘seek to bless, not impress’ based on integrity, respect, duty, honor and service before self. Every culture is created between the strongest belief, highest expectation and best behavior the leader lives by — and the worst behavior the leader tolerates. Getting people to believe in you and your message is predicated on being able to share your personal and organization vision and story in an engaging entertaining way! 

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Sponsored by Word&Brown

What Do Today’s Employees Need Most? 

A Multigenerational Perspective 


It’s not uncommon to refer to the “workforce” collectively. But when it comes to employee benefits, it’s critical to recognize that this collective comprises a diverse group of individuals, each with their own needs, challenges and expectations. 

Today, employers have as many as four generations working together — from the persistent baby boomers to the often-overlooked GenXers, the heralded millennials to the Gen Z newcomers. This generational diversity — coupled with the harrowing reality of the post-pandemic “Great Resignation” — has prompted many brokers to help their clients go beyond attractive core benefit offerings and craft agile programs to serve their employees’ disparate and evolving needs. A better understanding of each generation’s distinct concerns, behaviors and preferences — as well as those they share — may help your clients stem the tide, helping them retain and recruit valued employees. 

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Offering Identity Theft Protection as an Employee Benefits 


Over the past few years, there has been increasing talk of changing employee expectations when it comes to benefits. Most employers accept that attracting and retaining talent takes a compelling benefits offering that goes beyond basic healthcare. Ancillary offerings like vision and dental are often expected, so how can today’s employer create a more complete benefits offering that speaks to modern needs and expectations? Enter identity theft protection. 

Identity theft is a very real problem worldwide. It affects millions of people and costs billions of dollars each year. By offering identity theft protection as a benefit, employers can demonstrate a genuine concern for their employees’ financial security and well being. 

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Fourth Quarter Prep Planning 

Preparing for Client Renewals 

From California Broker Magazine 

The Group benefit brokers we spoke with know how important it is to prepare for their client renewals. Preparation can make a huge difference when working with clients. Business owners especially look for a professional review of the current coverage and costs and appreciate a solid fact-based presentation of all the options they have to make changes if needed to improve their benefit package.    

While the renewals come throughout the year, the majority of group renewals occur in the fourth quarter. When you have several groups, planning becomes even more significant.    

This article outlines key points to address when preparing and performing your group renewals.  Look for follow-up articles in August and September as we will have carriers and general agencies provide input on these best practices as well.   

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The Power of Social Media Marketing 

How brokers can make real money using free tools 


Social media can feel overwhelming, usually because we don’t know how to use it. 

The very first thing we need to do is to realize that social media is a tool. We often think of it as our escape from reality, our own distraction. 

Start looking at social media (Facebook, mainly) as a free advertising tool. You will find that you can start using it efficiently. 

We want to say out loud, “Facebook is for making money.” Once we get our mindset wrapped around that, you’ll find social media much easier to integrate into your day-to-day life. 

Picture this… 

You are able to put 5,000 people into a room and create your dream networking situation. Anyone can be in this room: referral partners, current clients, friends, fans, future clients, influencers of any sort, celebrities — the list goes on and on. 

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  • Sept. 20, 2023 @ 9:30 AM – 2:30 PM, NAIFA Silicon Valley SALES CONGRESS, Sophie’s Banquet Hall, 4035 Evergreen Village Square, Unit 20, San Jose, Register 


  • Sept. 12 @ 9:00 am PST. CAHIP-OC, Annual CE Day, Lake Forest Community Center, Lake Forest, CA  Register 
  • Oct. 5-6, NAIFA-California’s 2023 Career Advancement Conference, e3, to EMPOWER, ENGAGE, and EXPLORE, Humphreys Half Moon Inn, 2300 Shelter Island Drive, San Diego, CA Register 
  • Oct. 8-10, 2023 SIIA National Conference, JW Marriott Desert Ridge, Phoenix, AZ Register 
  • Oct. 22–24, LIMRA Annual Conference, Gaylord National Resort & Convention Center, National Harbor, MD  Register 
  • Oct. 31- Nov. 2 ITC InsurTech Connect, Las Vegas, NV Register  


  • Sept. 13 @ 9:00 am PST Warner U | Group Benefits vs Medicare Benefits, Register 
  • Sept. 21 @ 11 am PST NAIFA Live: Practice Growth and Success, Register through the NAIFA Member Portal 
  • Sept. 21 @ 1 – 1:30 p.m. ET, LIMRA The Workplace Benefits Report – Second Quarter Review, LIMRA and LOMA Members Only. Register 


  • March 25-27, 2024, Ellevate Women’s Leadership Summit 2024, JW Marriott Las Vegas, 221 N Rampart Blvd, Las Vegas, NV Register 
  • May 6-8, 2024, CAHIP, Capital Summit, Kimpton Sawyer Hotel, 500 J Street, Sacramento, CA Register