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Submitted URL: http://www.ltcipartners.com/
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Submission: On May 29 via manual from US — Scanned from DE
Effective URL: https://www.ltcipartners.com/
Submission: On May 29 via manual from US — Scanned from DE
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Call Us 877-949-4582 * About Us * Our Team * Contact Us * Testimonials * Solutions * Financial Advisors * Benefit Brokers * Consumer Referrals * Carriers * Carrier Listing * Request Carrier Contracting * Medicare Solutions * Blogs * The Advisor's View of Long-Term Care Planning * Planning Tips and Carrier News for Advisors * Consumer Planning Blog * Group LTC Benefits Blog * Advisor Tools * Upcoming Events * Long-Term Care Legislative Updates * Marketing Content Library * In-Force policy review * Advisor Education Requirements Map * Sample Rates Sheet * Request For Proposal * Generate a Quote * Assisted Sale * Underwriting Partner * Application Partner * Carrier E-Solutions * Forms Library * Submit an Application * Webinar Library * Contact Us Get a Quote LTCI PARTNERS Extended healthcare is a risk to a confident retirement. LTCI Partners provides insurance solutions to help manage this risk. Advisor LTC Quote Request Learn More THINKING FUTURE FIRST At LTCI Partners, we provide long-term care insurance solutions to help people prepare for extended care. Learn More LEARN ABOUT THE NEED TO PLAN FOR LONG-TERM CARE LONG-TERM CARE LEGISLATIVE UPDATES An interactive map where you can choose a state to learn more about LTC-related proposals at the state level. Choose your State! IT'S YOUR LIFE PLANNING GUIDE CLTC has created a new resource to help you initiate and manage Long-Term Care planning conversations with clients and prospects. Check it out! ADVISOR GUIDE TO LTC PLANNING Help your clients plan for the future with confidence by using the information contained in this guide. Get the Guide GROUP GUIDE TO LTC INSURANCE An overview of the fast-growing group long-term care insurance marketplace Request the Guide “THIS MONTH IN LTC PLANNING” - INTERVIEWS WITH LEADING LTC EXPERTS Our library of interviews and discussions about the latest trends in LTC Insurance are helpful for both advisors and clients. View Webinar Library ADVISORS'S GUIDE TO LINKED BENEFIT PRODUCTS Our Advisors Guide to Linked Life/LTC products - including a listing of key carriers Download a Copy A SHAREABLE CONSUMER POWERPOINT A consumer PowerPoint that can be viewed by consumers or shared by advisors Request Now A 2024 TAX GUIDE TO LTC INSURANCE A 2024 Guide to LTC Insurance and Taxes, including Business Tax Advantages Get the PDF TODAY'S CARE CRISIS - A SPECIAL REPORT The conversation around long-term care and long-term care benefits has been building for years and feels, to many, like it’s reaching a crescendo. Check out this special report from Trustmark about the impact on employers and employees. Download Report WHAT’S YOUR FOCUS? I’M A FINANCIAL ADVISOR Complete end-to-end LTC planning support I’M A CONSUMER LOOKING AT BUYING LTC We can connect you with LTC Specialists I’M A BENEFIT BROKER OR EMPLOYER LTC plans for any size group I’M AN ASSOCIATION Expert LTC planning for your clients and members BY THE NUMBERS We’ve helped thousands secure their future with LTC planning. Meet Our Team 400+ employer-sponsored LTC programs implemented $500M+ Of written LTC Individual and Group Insurance Premiums 25 YRS experience in the LTC Insurance marketplace LTC PLANNING: THIS IS ALL WE DO LTCI Partners is a national brokerage firm specializing in Long-Term Care (LTC) Insurance solutions. We distribute insurance by partnering with financial service professionals (institutions and their advisors), employers and employee/executive benefits brokers, and we work directly with consumers (B2C) through their affinity or association relationships. Our product portfolio includes both Standalone and Hybrid Life/LTC Insurance and we represent over 10 different insurance companies. Our mission is simple -- we want to make the process of planning for Long-Term Care easy for you and your clients. Learn More WHAT OUR CLIENTS ARE SAYING ABOUT LTC PARTNERS Don't take our word for it - our clients are our biggest advocates "I have worked with LTCi Partners for my clients LTC insurance needs since the early 2000’s and would not consider working with anyone else" - Tim Cope, NFP "The entire LTCI Partners Team is totally dedicated to the LTC Insurance marketplace" - George Alexander "LTCI Partners has developed powerful tools and easy-to-understand presentations, demonstrating their thorough understanding of the marketplace" - Brian Varian, LPL Financial “We have been very pleased with our relationship with LTCI Partners. They have truly “partnered” with us as an extension of our firm to support our endeavors in the LTC planning space. Traditional LTCI is something we believe in, so we aligned with LTCI Partners so that we could focus on our core product offerings – Annuities, Life Insurance and Asset-Based LTC solutions. They do an excellent job supporting our staff and our advisors.” “I’ve been working with LTCI Partners for many years and they are my #1 resource for all Long-Term Care activities. They have mastered all the LTC entry points from licensing, prospecting, sales support, applications, case management and the ever-changing LTC news. The sales support I get directly impacts my revenue and success. Their owners lead LTC conference calls, their sales staff is seasoned and the case management is daily. I highly recommend working with LTCI Partners for all your LTC endeavors” INSIGHTS FROM LTCI PARTNERS Feb 5, 2024 THE CHALLENGES AND FUTURE OF TRADITIONAL LONG-TERM CARE INSURANCE Following a period of substantial growth from the 1990s to 2010, Traditional LTC Insurance has encountered difficulties in expanding over the past decade. While sales remain steady, they are not significant enough to address America's Long-Term Care funding crisis. This has been highlighted by various negative press articles, including one from the New York Times' "Dying Broke" series in November 2023. READ MORE Nov 15, 2023 WHAT SHOULD YOU RECOMMEND TO A CLIENT WHO RECEIVED A LTC RATE INCREASE The holidays are approaching, and families are gathering together. While it’s all about food, drinks, games and fun there may be an opportunity to discuss the need for Long-Term Care Insurance with parents, family and friends. One of the most frequent questions people bring up in the LTC conversation is “What if the insurance company raises my premium?” READ MORE Oct 31, 2023 DON'T BE AFRAID OF TOO MANY LTC INSURANCE CHOICES! READ MORE Jul 11, 2023 WHEN LONG-TERM CARE MUST BE A PART OF DIVORCE NEGOTIATIONS READ MORE Jun 5, 2023 YOUR WEALTHY CLIENT CAN SELF-INSURE FOR LONG-TERM CARE. BUT SHOULD THEY? Let me ask you a question. How much will your long-term care cost? The answer, of course, is you have no idea. You may be one of the lucky ones who is completely independent and dies of "natural" causes in their sleep. Or you may be diagnosed with early onset Alzheimer's and need expensive care for a number of years. It's not unusual for people to spend up to $20,000 per month on long-term care (I've got family experience). It's often said that LTC Insurance is for the middle class - the poor can rely on Medicaid to pay for care and the wealthy can pay for care themselves. But is self-insuring, or to be more precise self-funding, always the best choice? READ MORE Nov 3, 2022 MEDICARE AND LTC INSURANCE - HOW CAN THEY WORK TOGETHER? We are in the midst of Medicare Open Enrollment season, where those turning 65 and other Medicare eligible populations can shop for Medicare Supplement and Medicare Advantage Plans. These plans can help cover a significant amount of care and reduce out-of-pocket costs. Yet most people forget to think about one of biggest holes in Medicare - coverage for long-term care costs. Should the almost 4 million 65 years old's who are just entering the Medicare market also look at LTC Insurance? READ MORE Aug 22, 2022 THESE TWO TRENDS SIGNAL MUCH HIGHER LTC COSTS IN THE FUTURE - REGARDLESS OF INFLATION Designing a LTC plan that will have appropriate benefits in 30 or 40 years can be really challenging! Despite that, many older LTC policies have actually done a pretty decent job of keeping up with the cost of long-term care. How do I know? Well, my Mom purchased a LTC Insurance policy from CNA Financial back in 1991. The initial benefit was $100 per day with a 5% automatic inflation increase benefit. Now, she is receiving care in a private room in an excellent nursing facility. The facility charges $420 per day for care, less than the $454 benefit daily benefit of the policy. The policy covers ALL the cost of her care. READ MORE Jun 15, 2022 A SURPRISING REASON WHY CLIENTS MAY WANT TO BUY LTC INSURANCE NOW The decision to purchase long-term care insurance can be a difficult one. The very nature of the product – helping protect a version of “you” who may need care 30 or 40 years in the future is hard to wrap our brains around. The vast majority of people seeking coverage on their own are those who have had personal experiences with a loved one needing and paying for care. So talking to clients about the need to consider this coverage while they’re in their 40s and 50s takes some understanding of why buying earlier is a smart move. Traditionally, there have been three reasons why “buy now” makes sense. READ MORE May 17, 2022 LIFE INSURANCE WITH LTC BENEFITS -HOW TO DECIPHER THE KEY DIFFERENCES LTCI Partners Note: Below is a article written by Ramona Neal, CLU, ChFC, CLTC of Living Benefit Review. We highly recommend Ramona's service for comparisons of the various types of Life Insurance with living benefit riders. Learn more at www.livingbenefitreview.com. READ MORE Oct 22, 2021 THE SEVEN PAINFUL CONSEQUENCES OF BEING A PRIMARY CAREGIVER The majority of people that own long-term care insurance have consistently cited “Not being a burden on my family” as the #1 motivator for planning for their future LTC needs. Therefore, it’s no wonder that people who have experienced an extended care situation with a loved one are most likely to purchase an LTC solution for themselves. The most astute advisors identify those clients and engage them in an educational discussion about LTC planning. However, all too often advisors jump immediately to the product solution rather than make an effort to understand the client’s own LTC experience. By discussing the common, real-life consequences that family caregivers experience, you will engage your client in a more meaningful conversation that will heighten the client’s motivation to put a plan in place. The LTC sale is probably the least “transactional” sale in financial services… so use the following as a conversational template in discussing the true consequences of an unplanned LTC event. Family members often experience Seven Painful Consequences when trying to be the primary caregiver for a loved one. Those consequences are: • Emotional • Mental • Physical • Social • Interpersonal • Spiritual • Financial Even those that long-planned to be the primary caregiver for an aging loved-one have experienced at least one of these consequences: Emotional: As the reality of being a primary caregiver sets in, emotions can quickly consume you. These emotions stem from sadness, grief, anger, confusion, helplessness and more. That inner voice tells you that the life you once knew has been altered significantly going forward. Mental: After initial waves of emotion subside, they are replaced by mental stress that can lead to depression. Many details must be addressed and tough decisions must be made regarding the necessary requirements of your loved one/patient. Questions of who, what, where, when and how all run through your head simultaneously… and it takes a toll – especially if you have other personal and professional responsibilities to manage. Physical: Mental stress can be physically exhausting. Sleepless nights, fatigue, anxiety, and tension can wear you down. Caregiver responsibilities can challenge your own physical strength as you assist with bathing, dressing, feeding, toileting, ambulating and other activities. Interpersonal: A breakdown of family relationships can happen slowly or quickly depending on the changing needs of your loved one and the limitations, inabilities or resistance of family members providing care. Caregiving responsibilities are rarely shared equally among siblings or other family members. Additionally, female members of the family tend to bear the brunt of caregiving duties. Such inequalities can lead to frustration, anger, and family infighting. Sometimes the people who do the least are the most vocal when it comes to what you should be doing. Animosity can linger long after the extended care event has ended and can permanently damage relationships. Social: When caregiving responsibilities encompass your daily routine, the enjoyable elements of your life take a backseat. Your ability to participate in the social moments of life are challenged by the time needed to provide care. Additionally, the pressures of caregiving can create negative personality changes in people. Friends may have their own perceptions and make assumptions (rightly or wrongly) of how you may be feeling and if you want to be bothered. The social life of which you were accustomed can be negatively impacted. Spiritual: When someone you love becomes physically challenged or cognitively impaired, many caregivers assign blame, feel victimized or become permanently angry. “Why is this happening to Mom? I can't deal with this anymore.” The will to fight through the latest setback, find alternative care solutions and to remain positive can begin to erode. Sometimes your own personal religious beliefs are put to the test. “Why is God allowing this to continue?” Financial: The financial consequences of long-term care event often fuel the six other consequences above. The cost of LTC services can be the most expensive item someone ever pays for, possibly exceeding the purchase of a home or the cost of a four-year private college education. Unfortunately, many families don’t research care financing options until care is needed… and they are utterly shocked to discover that health insurance and Medicare for the most part do not cover LTC services. The reality is that an unplanned LTC event can have devastating effects on retirement plans and other financial obligations. By listening to your clients’ LTC experiences and talking about the Seven Painful Consequences above, you will solidify your rapport with your client and set the stage for explaining how these consequences can be mitigated with LTC insurance. And remember… the goal of LTC planning is not to cover 100% of your client’s future nursing home costs. The goal of LTC planning is to make what is often an unmanageable event into a manageable one for the whole family, including (and most importantly) the loved-one needing care. 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May 22, 2024 MUTUAL OF OMAHA - RATE ADJUSTMENT IMPACTING LA READ MORE May 16, 2024 UPCOMING LINCOLN WEBINAR READ MORE May 9, 2024 ONEAMERICA: MAY 2024 INTEREST RATE NOTICE READ MORE May 2, 2024 MUTUAL OF OMAHA | CORRECTION - LONG-TERM CARE INSURANCE PRODUCT UPDATES READ MORE May 1, 2024 MUTUAL OF OMAHA | LONG-TERM CARE INSURANCE PRODUCT UPDATES READ MORE Apr 24, 2024 JOHN HANCOCK: IN-FORCE RATE ACTION TO TAKE PLACE IN LATE MAY READ MORE Apr 9, 2024 ONEAMERICA: APRIL 2024 INTEREST RATE NOTICE READ MORE Apr 5, 2024 THRIVENT'S STRENGTH 2023 ANNUAL REPORT READ MORE Apr 4, 2024 BRIDGE® AND THE NEVERSTOPSM WELLNESS PROGRAM READ MORE Apr 3, 2024 NATIONWIDE CAREMATTERS II | CA PRICE IMPROVEMENT READ MORE UPDATES FROM OUR CARRIERS STAY REMAIN UPDATED Subscribe to our newsletter today to receive updates on the latest news from our carriers. * I want to subscribe to Advisor Planning Tips and Carrier News* Email* Advisor Planning Tips and Carrier News Email Subscription* * Per Blog Post * Daily * Weekly Your privacy is important to us. We have developed a Privacy Policy that covers how we collect, use, disclose, transfer, and store your information. GET SOCIAL WITH US Long term care insurance brokerage working with leading financial advisors and benefit firms Open in Facebook Long term care insurance brokerage working with leading financial advisors and benefit firms Open in Twitter Extended healthcare is a risk to a confident retirement. We provides insurance solutions to help manage this risk. Open in LinkedIn REQUEST A QUOTE Receive a personalized quote from one of our team members. Schedule a Call with a Sales Consultant Request a Quote One of the greatest risks to a confident retirement is healthcare. At LTCI Partners, we provide insurance solutions to help advisors and their clients manage this risk. CONTACT US Phone: 800-245-8108 Email: sales@ltcipartners.com MAILING ADDRESS LTCI Partners, LLC 14546 Brook Hollow Blvd #281 San Antonio TX 78232 OFFICE ADDRESS 500 W. 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