People Are Talking about LTC Insurance Again

By Marc Glickman

It has only been about 15 years, but long-term care insurance (LTCi) is popular again. All of us in the LTCi biz knew this might be inevitable. After all, we can see the demographic writing on the wall. There are more than 50 million family caregivers in the United States. They can only do so much until professional home care or facility care is needed. The collision of baby boomers needing care, states paying attention to the crushing need, and the impact on family caregivers, has made LTCi popular again. Well, sort of.

You may have heard this story: Without LTCi planning, extended care is paid out of pocket. Once income and assets are depleted, Medicaid kicks in. But what happens when Medicaid runs out of money?


10 Tips to Speed Up Your Prospect-to-Client Sales Cycle

In a decidedly unscientific study, I interviewed 37 financial professionals of different tenures and success levels to see if I could come up with some useful tips to help you speed up your sales cycle.

By Bill Cates

Here then, is what I gleaned from these conversations:

1. Make referrals and introductions to your primary source of prospects. Keep moving away from leads, online seminars to cold prospects, and other methods of meeting prospects that are known to have a lower and slower conversation rate. The borrowed trust that comes from referrals and personal introductions will both speed up and increase your conversation rate.


Workplace Benefits: A Sector Ripe for Disruption


In today’s fast-evolving landscape, the insurance industry is undergoing a transformative shift. Amid this shift, carrier technology is emerging as the driving force redefining the roles of brokers, employers, and employees in the employee benefits insurance sector.

The introduction of cutting-edge technology by insurance carriers is poised to disrupt the way the industry operates, providing a seamless experience for all stakeholders involved.

Here we delve into how insurance carriers’ new core systems (coretech) are becoming the enabler of a better broker, employer, and employee experience, emphasizing why brokers must insist on better carrier technology and reposition themselves as architects of a new era in workplace benefits.



Sell some of your commissions

A growing trend for many health insurance professionals is to build new revenue by adding new lines of business. To be successful in this effort, you can learn to build referrals, including using tips we explain in articles featured in CalBroker. It is also common practice to carve out time to pursue other insurance lines by selling some of your commissions (and unburdening yourself of the required client support). Either way, when you want to add new lines, it will likely take time to become knowledgeable and then more time to find leads.

First, determine value



Dave Ramsey is the founder and CEO of the company Ramsey Solutions, where he’s helped people take control of their money and their lives since 1992.

He’s also an eight-time national bestselling author, personal finance expert and host of The Ramsey Show.

By David McKnight

Unless you’ve been hiding under a rock, you’re well aware that Dave Ramsey hates permanent life insurance. Here’s what he has to say about it on his website.

“There are two main kinds of life insurance (with a few other varieties we’ll deal with later). But the basic types are term life and permanent life insurance. Even though all the different forms of permanent life insurance are way more expensive and confusing than term life, that doesn’t mean they’re not popular. We believe that’s because many people just lack the info about these rip-offs.”


The Present State of Prescription Drugs and Health Insurance

How brokers can help clients save cash

By Emma Peters

In this article, we will explore the current state of the industry and highlight key innovations that can empower insurance professionals to better serve their clients. A survey produced by Kaiser Family Foundation shows that 61% of American adults currently take prescription drugs. According to another survey completed by Value Penguin,

• persons under 65 pay for 48% of their expenses for prescription drugs out-of-pocket

• but persons aged 65 to 79 pay 56%

• those age 80 and older pay 67 % of their total drug expenditures out-of-pocket.

The greatest impact of these statistics is the fact that almost a third of Americans under and over 65 have skipped filling a prescription, mainly because they couldn’t afford it, or because their insurance wouldn’t cover the cost. (https://www.valuepenguin. com/prescription-costs-survey)






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