Senior Insurance Training Services

LTC Insurance Continuing Education

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Latest From the Blog

Secrets of LTC Insurance Plan Design – Part 2 of 5 Who Needs LTC Insurance? (Suitability}

Six Suitability Issues

LTC Insurance isn’t right for everybody. Suitability refers to the process of determining whether it makes good financial sense for someone to buy long-term care insurance.

All states require insurance companies and agents to make a reasonable effort to determine the appropriateness of a recommended sale or replacement. Some states require that agents use a state-specific Personal Worksheet or to provide state-specific educational information to all clients before accepting an application. [Read more…] about Secrets of LTC Insurance Plan Design – Part 2 of 5 Who Needs LTC Insurance? (Suitability}

California LTC Insurance and California Partnership Update: August 2017

In our last article “Should the California Partnership have a Memorial Day 2017” (May 21, 2017). We here at Senior Insurance Training Services brought you up to speed on the “First” Partnership Task Force meeting that was held back in April.

The meeting was essentially designed to establish the goals and objectives for future meeting regarding the future of the California Partnership for Long-Term Care Insurance. The purpose/mission statement was established:

“To provide advice and assistance in implementing enhancements to the California for Long-Term Care
program and consider other means for assisting consumers in addressing their Long-Term Care needs.”

[Read more…] about California LTC Insurance and California Partnership Update: August 2017

Secrets of LTC Insurance Plan Design – Part 1 of 5 What has been SOLD to buyers of LTC Insurance?

Every five years or so since 1990, LifePlans has published a report titled, “Who Buys LTC Insurance?”

It is a very insightful resource that studies both buyers and non-buyers and will take you far in your journey to sell more LTC Insurance.

Download Your Copy of “Who Buys LTC Insurance?”

We have only one disagreement with the LifePlans report.

We would change the title to “What has been SOLD to buyers of LTC Insurance?” [Read more…] about Secrets of LTC Insurance Plan Design – Part 1 of 5 What has been SOLD to buyers of LTC Insurance?

Should the California Partnership have a Memorial Day 2017?

After the publication of our last article, “Should I maintain my Partnership Certification…?” Yes, No, Maybe!, we received many calls and emails regarding the status of the program.  As we approach the unofficial beginning of summer with barbecue parties on Memorial Day 2017,  what are they cooking in Sacramento now?

[Read more…] about Should the California Partnership have a Memorial Day 2017?

Should I Maintain My California Partnership Certification? Yes-No-Maybe? (Part I)

Over the course of the last two years, we here at Senior Insurance Training Services are constantly being asked:

“Should I maintain my certification for selling the California Partnership for LTC Insurance?” or

“Should I get my certification to sell the California Partnership since my company doesn’t offer it” or

My Company does not allow me to offer the only company offering, so I don’t need it.”

Another comment is, “I only sell Hybrids; so I don’t need to be certified, Right?’ Yet another, “Because of the mandatory 5% compound inflation, built in feature, it’s too expensive!”

I have heard all these comments over the course of the last 23 years.

[Read more…] about Should I Maintain My California Partnership Certification? Yes-No-Maybe? (Part I)