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This is the sweet spot for LTC sales. Clients in their mid-50s are the most likely to purchase long-term care insurance because they are still earning income, but need to have a solid picture of how their retirement will look. See what to look for so you don’t miss a window of opportunity.
By planning “early” for long-term care, your clients can potentially save money – and make underwriting easier. Good prospects may have experienced a family member who needed care – or they are high-income earners who want to take a future LTC concern off their shoulders.
Most group coverage plans pay a percentage of the employee's salary based on the program's coverage limits. These benefits are also taxable, reducing the percentage of covered income. Make your client's income protection whole by adding individual coverage to their group plan.
An executive income protection carve-out program might be just the thing for your business owner clients to consider when exploring employee retention strategies. It not only helps the executive in the case of an injury or illness, but it also gives the business a boost if they need to call in extra help.
Discover four strategies to reposition money for ultra-wealthy clients. From classic leverage through premium financing or unique tax credits, to using BOLI or an innovative 1035 exchange with our No-Load IUL, you can capture more corporate AUM and keep the IRS out.