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Managing societal stress over long-term security
by Michael Ferik
In recent years, Americans have been exhibiting some rather worrisome behavior. This shouldn't come as a complete surprise, given the succession of jolts the nation has experienced since the financial crisis hit in 2008.
Client Resolutions
On the heels of a year of uncertainty, 2012 could be a call to action
by Katie Libbe
A number of global issues - including the earthquake in Japan and debt crisis in Europe - caused anxiety and aversion to U.S. markets. Then, the political stalemate in Washington, D.C. led to a downgrade of our national debt, the first such downgrade in the history of the country.
Strategies for retainging top clients
It's easy to focus on the next client, forgetting about those who've put their trust in you
by Ken Shapiro
If there's a 'dark side' to life insurance sales, it's the unavoidable fact that we make a sale and move on. Once they buy, we abandon them. While there may be exceptions, this seems to be the pattern.
Special Feature: LTCi- The Protection of Dreams
A muturing industry looks to the future
Imagining the possibilities
by Joseph P. Catalano
One of the most exciting things about a new business is imagining the possibilities. This was certainly true of the LTC insurance industry when it first began around 25 years ago. The optimism that surrounded the new product's potential was well-founded.
The Long Term Care Imperative
The significance of market expansion
by Bryan Langdon
Late in the afternoon on Friday, October 14, 2011, the Department of Health and Human Services told everyone in the long-term care (LTC) industry what we already knew. "We won't be working further to implement the CLASS Act. We don't see a path forward to be able to do that," Assistant Health and Human Services Secretary for Aging Kathy Greenlee told reporters.
State of the LTCi Union
May you live in interesting times
by Robert Vandy, CLU, ChFC, LUTCF, CLTC
It's true. We do live in interesting times. We live in interesting times as they relate to the overall economy, the worldwide political environment and, yes, the long-term care planning (LTC) environment?
Protecting Income and Legacies
Longevity does not mean immunity
by Arthea J.S. Reed, Ph.D, CLTC
The time of our nation's baby boomers reaching retirement age is upon us. Talking with clients about the need for long-term-care insurance (LTCI) is critically important for any advisor doing retirement income/distribution and legacy planning. For many of our clients, this is a sensitive subject; no one wants to think about the possibility of being dependent on others to aid with basic daily tasks.
Settlement solutions for small estates
Understanding executive presence and being covertly sexy
by Gregory E. Schwabe, FLM
With the federal estate tax exclusion at $5 million through 2012, a vast number of estates will not incur any federal tax. Even if the exclusion drops back to the $1 million dollar limit in 2013, the majority of estates will have little or no federal estate tax liability.
Joe Pulitanoby Carolyn S. Ellis, features editor.
Joe Pulitano is president of Advanced Resources Marketing, a Boston-based distributor of long term care insurance. He operates in every distribution channel that exists for long term care insurance, from facilitating carrier-to-carrier deals to employer groups, associations and selling directly to the consumer. We asked Joe to bring us up to date on the overall health of the LTCi marketplace.