Asking a few questions leads to a pair of Life with LTC cases
In this week's case study, we have an agent who recently starting using a client questionnaire. By asking questions beyond basic Medicare Supplement coverage, she was able to learn that her…
A question that agents (and clients) often avoid
How do you plan to pay for the care you may need someday? Don’t avoid showing your clients possible solutions to a concern that isn’t going away. Below is an overview of addressing the solution when…
Coming full circle with LTC insurance
I began my insurance career in 1981, selling Nursing Home Insurance. It was not called “Long Term Care” as we call it today, but I felt that anyone over the age of 65 needed it to protect themselves…
Case of the Week: Savings but no Long Term Care
We recently helped an agent with his client, a 65 year-old female with mild asthma (she takes Prednisone and Dexilant) and acid reflux. She's a former smoker, and has $50,000 in savings. She does NOT…
Case of the Week: Comparing Long Term Care Options
Recently, I presented a couple in their 50’s with possible solutions to future long term care concerns. I shared with them traditional long term care insurance and the “hybrid” Life with LTC rider…
Part D help leads to cross sale commission
An agent was recently helping his client (female, age 72) with her Prescription Drug Plan. While navigating the pages at Medicare.gov, the client asked him "Do you know anything about nursing home…
3 Easy Ways to Cross Sell Med Supp Clients
With the Annual Enrollment Period in full swing, agents are working hard, and many of you sell more during this last quarter than you do the rest of the year combined. By sticking to Medicare…
Introducing the Interactive Field Underwriting Guide
Not all life insurance cases involve the age 65 female with NO health issues and NO meds. Your cases involve real people with real medical conditions. Use this tool to get a feel for how John…
The JH LTC Opportunity Series - Part 4: Why the reimbursement model matters
There seems to be a lot of confusion surrounding how reimbursement LTC riders differ from indemnity or chronic illness type riders, and rightfully so. The language is almost perfectly backwards.
The JH LTC Opportunity Series - Part 3: Counting the Cost
We have shared with you the statistics that support the need for long-term care planning, and you have now seen the Cost of Care Calculator. So how does John Hancock address the long-term care need…
