LTCI Education, Sales Training and Marketing Tools

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Overcome Conceptual Objections

The Financial Calculators can be personalized and customized for each client.

Saving Premiums to Self-Insure

Is your client considering saving the cost of premiums to self-insure?

Show why this may not be such a sound strategy.

True Cost of Waiting

"I'm healthy now. Maybe I should wait."

The Cost Of Waiting Chart shows your clients how postponing their LTCI purchases can actually cost them money in the long run.

Simple vs. Compound

"Interest is Interest, right?"

Wrong. Easily explain the advantages of compounded benefit growth over the life of the policy.

Co-Insuring the Risk

Co-Insuring could be the answer.

Show your clients what their actual out of pocket expenses could be at the time of claim.

Elimination Period

Help your clients understand what a 90 Day EP means in terms of today's dollars, and in 15 to 20 years when they are more likely to go on claim.

Selling Against the GPO

Show your client the added costs of trying to use the Guaranteed Purchase Option for fighting inflation.

Lump Sum Investment

Show your client the true cost of self insuring by illustrating how much money they need to set aside today, to meet future LTC costs.

Recouping Premium

Show your client how long it will take on claim to recoup all their premiums paid.

Cost of Care Generator

Up-to-date Cost of Care numbers from the latest industry sources.