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January 2016 LTC Newsletter


LTC in the News

The word is spreading. Major news outlets are letting the American people know the importance of long-term care planning. Are you? Here are a few third party articles.

Top News

The End of Old

The face of aging will never be the same, as 78 million Americans approaching retirement, and millions more overseas, transform how we live, work, and invest.

All across the globe, companies, governments and society are scrambling to harness the energy and meet the needs of an aging global population. Consider a few of the ways the world is preparing for this longevity revolution… Read more

Tracking LTCI Regulatory

Long-term care insurance (LTCI) is a heavily regulated product at both the state and sales level. recently asked Rod Perkins, vice president of insurance regulation with the Washington, D.C.-based trade association American Council of Life Insurers, for his insights on potential regulatory changes concerning LTCI. Read More

Partial Tax-Free Exchanges Can Pay for LTC Insurance

The federal tax code allows partial tax-free exchanges of life insurance or annuities to pay for long-term-care insurance, write lawyers E. Hans Lundsten, Joseph Marion III and David Riedel. Such a move can provide tax benefits while helping protect wealth. Read More

Old Age Fears: What HNW Retirees Worry About Now

Warnings about lengthening lifespans and skyrocketing health care costs have been repeated ad nauseam. Advisors know this, but may be unaware of just how much these worries resonate with even wealthy clients. Read More

Sales Tips

How to Start the LTC Expense Conversation [Videos]

The reality is, clients worry about paying for long-term care, but only 1 in 5 has talked about it to an advisor. These conversations can be challenging so Lincoln Financial created this client approved video to help start the dialogue.

Using Service to Build Stronger LTCI Client Relationships

Annual or semiannual reviews are common practice among financial planners and wealth managers. The sessions allow advisers to keep current with changes in clients’ lives while simultaneously updating clients on other significant events affecting their financial lives, such as portfolio changes, new tax laws, and so on. Just as importantly, meetings can reinforce the personal bonds that helps advisors retain clients. Read More

Getting Clients Started with Life Span LTC Planning

Kim Natovitz, CLTC with the Natovitz Group in Bethesda, MD, recalls the time she was discussing the need to plan for long-term care (LTC) with a client who had recently turned 50. The client asked if the topic was so important, why did Natovitz wait until the client was 50 before she raised the issue. Read More

Having the Conversation about Long Term Care [Video]

When it comes to planning for and financing long-term care, there is good news that advisors can share with their clients. Watch this video.

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