Agent Survival Guide Podcast
Short-Term Care Insurance – An LTCi Alternative for Clients

Short-Term Care Insurance – An LTCi Alternative for Clients

November 19, 2020

 

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Think Long-Term Care insurance is your client’s only option? Explore Short-Term Care Insurance and its benefits.

 

Read the text version.

 

Mentioned in this episode:

 

Are You Offering Multiple LTC Insurance Options?

Buyers Ages for LTC Insurance Reported

Identifying Ideal Clients for LTCi

Longtermcare.gov: Who Needs Care?

The Key to Accessing High-Cost Care

 

More episodes you’ll like:

 

2021 Medicare Part A & B Premiums and Deductibles

CMS just announced the 2021 Medicare Part A and B premiums and deductibles. Find out what the cost of Medicare will be for your clients in the coming year.

4 Out-of-the-Box Long-Term Care Insurance Solutions

Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional LTC solutions that just might do the trick.

How to Build Rapport Selling Insurance Online and Over the Phone

Learn how to better connect with your sales prospects - even if those interactions are now happening virtually. We have 6 tips you can add to your insurance sales process today!

LTC Planning: Sales Strategies & Market Trends featuring Bob Vandy and Mike Baker

What does the long-term care insurance market look like for agents in 2020 and beyond? We sat down with AIB's Bob Vandy and Ritter's Mike Baker to learn more. Find out the difference between long-term care planning and LTCi sales in addition to market trends and practical strategies for insurance agents.

November 13, 2020 | The Friday Five

The Friday Five for November 13, 2020: CMS Announces Medicare Part A and B Premiums and Deductibles; CMS release Medicaid and CHIP Final Rule (CMS-2408-F); Fed holding interest rates steady; things you shouldn’t say to your clients or prospects; and the 10 happiest songs ever.

 

Articles to Share with Your Clients:

 

Here’s What Medicare Costs in 2021

CMS has announced the 2021 Medicare costs. Check them out so you know what to expect this AEP!

Is Medicare the Only Health Insurance I Need?

In many situations, your Medicare plan has you covered at the best of times and the worst of times. But, it may be worth looking into these extra insurance plans.

What Are the Different Types of Nursing Homes and Care Facilities?

You’ve probably heard of nursing homes, but did you know that there are other kinds of residential care facilities? Today, we’re exploring the different types of nursing homes and senior care facilities!

 

The latest from Ritter’s Blog:

 

2021 Medicare Part A and Part B Premiums and Deductibles

CMS recently released their numbers for 2021 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Let’s see how these changes might affect your clients in the coming year.

Navigating Insurance Sales During the Medicare AEP & COVID

You need commissions, but you don’t want to catch, or spread, COVID. Can you compliantly check temperatures or ask health questions in person? Will more carriers allow remote Medicare sales? How can you have a profitable Annual Enrollment Period during the current health crisis?

How to Get Started in Medicare Sales

Starting out as an insurance agent in the Medicare industry can seem daunting. There are many ins and outs of selling Medicare and quite a list of things you need to decide and do.

 

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4 Out-of-the-Box Long-Term Care Insurance Solutions

4 Out-of-the-Box Long-Term Care Insurance Solutions

November 19, 2020

 

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Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional LTC solutions that just might do the trick. 

 

Read the text version

 

Mentioned in this episode:

 

Cost of Care Survey

Fixed Annuities vs. Indexed Annuities: What’s the Difference?

Identifying Ideal Clients for Universal Life Products

Know the difference: Chronic illness vs. LTCi riders

Lack of Funds for LTC is Americans’ Greatest Fear About Aging

LTC Planning: Sales Strategies & Market Trends featuring Bob Vandy and Mike Baker

Short-Term Care Insurance: A Top LTCi Alternative for Clients

Tax Code 101(g)

Tax Code 7702B

The Increasing Value of Combining Life & LTC

 

More episodes you’ll like:

 

4 Ways to Fund Long-Term Care: Hybrid Insurance

Discover the many ways hybrid long-term care insurance can be funded. These best practices can help you show your clients that they can afford to purchase linked-benefit LTCi coverage.

An Alternative Approach to Long-Term Care Planning

Think traditional Long-Term Care insurance is the only way to cover your client's future LTC expenses? Show your clients a different way with linked-benefit Life/LTC policies.

Identifying Ideal Long-Term Care Insurance Clients

Get to know the characteristics of Long-Term Care insurance buyers. Use these tips to comb through your book of business and find potential sales you might be missing out on!

The Real Cost of Long-Term Care

Do your clients know all the costs associated with retirement? Learn more about the true cost of Long-Term Care so you can pass that knowledge – and peace of mind! – on to your clients.

Are You Offering Multiple LTCi Options?

Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales.

 

Articles to Share with Your Clients:

 

6 Health Services Not Covered By Medicare

At some point in your life, you may need some form of long-term care, or non-medical personal care. Does Medicare cover long-term care, and if not, what are your options?

Does Medicare Cover Long-Term Care?

Original Medicare covers many things, but not everything. These are the services that Medicare usually doesn’t offer coverage for.

Is Medicare the Only Health Insurance I Need?

In many situations, your Medicare plan has you covered at the best of times and the worst of times. But, it may be worth looking into these extra insurance plans.

 

The latest from Ritter’s Blog:

 

The Benefits of Joining a Top Insurance FMO

If you’re wondering what exactly an FMO is and why you should join one, you’ve come to the right place! We have the answers you’ve been looking for to help you determine if you should join an FMO and how you can benefit from doing so!

How to Check Medicare Extra Help Eligibility for Your Client

Is your client eligible for the Medicare Extra Help program? You could play a huge role in getting them financial assistance with prescription drug coverage and medications. What are the income limits for Part D Extra Help, and are there Medicare Extra Help look-up tools?

How to Build Rapport Selling Insurance Online Or Over the Phone

Don’t let social distancing get in the way of your insurance sales! If you’re trying to foster trust with prospects, we’ve got six tips for building rapport over the phone or online, fast.

 

Subscribe & Follow:

 

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Google Podcasts

Overcast

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Connect on social:

 

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Twitter

YouTube

LinkedIn

 

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LTC Planning: Sales Strategies & Market Trends featuring Bob Vandy and Mike Baker

LTC Planning: Sales Strategies & Market Trends featuring Bob Vandy and Mike Baker

November 18, 2020

 

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What does the long-term care insurance market look like for agents in 2020 and beyond? We sat down with AIB's Bob Vandy and Ritter's Mike Baker to learn more. Find out the difference between long-term care planning and LTCi sales in addition to market trends and practical strategies for insurance agents.

 

Download the White Paper!

 

Mentioned in this episode:

 

AIB's Blog

A Senior (Life) Moment

Life Happens Official Website

Long-Term Care/Life Insurance Pre-Qualification Worksheet

Look Through the [LTCi] Windshield, NOT Through the Rear-View Mirror

Register for the AIB/Ritter LTC Monthly Webinar – The Art of Saving the LTCi Sale

Ritter's Agent Survival Guide Blog

Short-Term Care Insurance: A Top LTCi Alternative for Clients

 

More episodes you’ll like:

 

4 Ways to Fund Long-Term Care: Hybrid Insurance

Discover the many ways hybrid long-term care insurance can be funded. These best practices can help you show your clients that they can afford to purchase linked-benefit LTCi coverage.

Identifying Ideal Long-Term Care Insurance Clients

Get to know the characteristics of Long-Term Care insurance buyers. Use these tips to comb through your book of business and find potential sales you might be missing out on!

Are You Offering Multiple LTCi Options?

Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales.

 

Articles to Share with Your Clients:

 

6 Health Services Not Covered By Medicare

At some point in your life, you may need some form of long-term care, or non-medical personal care. Does Medicare cover long-term care, and if not, what are your options?

Does Medicare Cover Long-Term Care?

Original Medicare covers many things, but not everything. These are the services that Medicare usually doesn’t offer coverage for.

Is Medicare the Only Health Insurance I Need?

In many situations, your Medicare plan has you covered at the best of times and the worst of times. But, it may be worth looking into these extra insurance plans.

 

The latest from Ritter’s Blog:

 

2021 Medicare Part A and Part B Premiums and Deductibles

CMS recently released their numbers for 2021 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Let’s see how these changes might affect your clients in the coming year.

Navigating Insurance Sales During the Medicare AEP & COVID

You need commissions, but you don’t want to catch, or spread, COVID. Can you compliantly check temperatures or ask health questions in person? Will more carriers allow remote Medicare sales? How can you have a profitable Annual Enrollment Period during the current health crisis?

How to Get Started in Medicare Sales

Starting out as an insurance agent in the Medicare industry can seem daunting. There are many ins and outs of selling Medicare and quite a list of things you need to decide and do.

 

Subscribe & Follow:

 

Apple Podcasts

Google Podcasts

Overcast

Podbean

Spotify

Stitcher

 

Connect on social:

 

Facebook

Twitter

YouTube

LinkedIn

 

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Why is Cancer Insurance Worth Selling?

Why is Cancer Insurance Worth Selling?

October 28, 2020

 

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How would an unexpected diagnosis affect your clients? Give them peace of mind with coverage that can help ease the stress of cancer treatment.

 

Read the text version.

 

Mentioned in this episode:

 

Death or Debt? National Estimates of Financial Toxicity in Person with Newly-Diagnosed Cancer

Every ‘Second’ Counts: Why Sell Cancer, Heart Attack and Stroke Insurance?

How much can a healthy lifestyle cut your risk of cancer?

Lifetime Risk of Developing or Dying From Cancer

 

More episodes you’ll like:

 

4 Ancillary Cross-Sales to Show Clients You Care

Ready to get started cross-selling? What products can you cross-sell with Medicare? Build up your insurance portfolio with our list of must-have ancillary products!

Every ‘Second’ Counts: Why Sell Cancer, Heart Attack and Stroke Insurance?

Build a portfolio that shows clients you care. Cancer, heart attack, and stroke insurance plans provide coverage and peace of mind when your clients need it most.

Learn How to Cross-Sell Ancillary Insurance with Medicare Products

Ready to boost your Medicare business? Increase your sales commissions and improve client retention at the same time, all without additional certifications. Learn about the power of cross-selling and how you can get started today!

Secure a Bigger, Better Business with Ancillary Products

Want to branch out from Medicare Advantage or Medicare Supplement sales? Learn how ancillary products can help you expand your reach and add more value to your portfolio.

Why You Need to Make Time for Medicare Training (& Where to Find Great Resources!)

Gaining knowledge through training is more than just a necessity. It’s a strategy that helps you stand out from your competition and grow your insurance business.

 

The latest from Ritter’s Blog:

 

Major Changes Coming to the MA & PDP Market for 2021

Thinking of selling Medicare Advantage and prescription drug plans for 2021? Agents and beneficiaries can expect to see six major improvements in several categories associated with the 2021 MA & PDP market: enrollment, affordability, accessibility, value, and plan choice. Keep reading to get all the details!

Rules for Hosting a Compliant Medicare Educational Event

While events are often a great way to generate leads, holding Medicare educational events during the COVID pandemic is a legal and ethical grey area. What is allowed at seminars for the 2021 AEP?

Rules for Hosting a Compliant Medicare Sales Event

Are you considering holding a marketing event to get the attention of more Medicare clients? You’ll need to follow CMS’ rules for hosting sales events.

 

Subscribe & Follow:

 

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Connect on social:

 

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Selling Hospital Indemnity Insurance with Medicare Advantage: Is It Worth It?

Selling Hospital Indemnity Insurance with Medicare Advantage: Is It Worth It?

September 17, 2020

 

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How can you shield your Medicare clients from the rising cost of a hospital stay? With hospital indemnity insurance! Discover why this plan is a must-have for your selling portfolio. 

 

Read the text version.

 

Mentioned in this episode:

 

A Dozen Facts About Medicare Advantage in 2020

Boost Business Selling Hospital Indemnity Insurance

Defining the True Value of $0 Premium for Medicare Advantage Plans

Overview of U.S. Hospital Stays in 2016: Variation by Geographic Region

Medicare Advantage Versus the Traditional Medicare Program: Costs of Inpatient Stays, 2009-2017

Sweeten the Deal with Hospital Indemnity Insurance

Top 10 Podcast Apps for Insurance Agents

 

More episodes you’ll like:

 

4 Ancillary Cross-Sales to Show Clients You Care

Ready to get started cross-selling? What products can you cross-sell with Medicare? Build up your insurance portfolio with our list of must-have ancillary products!

5 Tips for Selling Medicare Advantage Plans

Rock your Medicare Advantage sales goals this AEP! Learn five ways you can make this Annual Enrollment Period your most successful yet. Our tips can help you grow your commissions and your book of business.

Boost Business Selling Hospital Indemnity Insurance

Want to grow your insurance business? Learn more about hospital indemnity insurance, a powerful ancillary tool for your portfolio. We cover what you need to know, from the basics to closing the sale!

Learn How to Cross-Sell Ancillary Insurance with Medicare Products

Ready to boost your Medicare business? Increase your sales commissions and improve client retention at the same time, all without additional certifications. Learn about the power of cross-selling and how you can get started today!

Medicare MSA Plans & Hospital Indemnity Insurance: The Perfect Pair

Learn how Medicare MSA and hospital indemnity insurance pair up to create a dynamic duo! Trust us, you don’t want to leave these plans out of your portfolio this AEP!

 

The latest from Ritter’s Blog:

 

The Ritter Platform Launches New Drug Cost Estimator and Prefilled Applications

Two brand-new features have been added to our comprehensive agent dashboard. Say “hello” to the Drug Cost Estimator and prefilled applications!

5 Tips for Using Medicareful to Sell More Medicare Plans

Medicareful gives agents the potential to double or triple their capacity to safely engage prospects and enroll clients! How can you maximize your site and Medicare sales? To start, request your free Medicareful page here!

Why Being a Likable Agent Is Good for Your Business

How you present yourself as an agent can make or break your business. You may think, “It doesn’t matter what other people think of me,” which in some ways is true. But when it comes to how people view you professionally, their opinions do matter.

 

Subscribe & Follow:

 

Apple Podcasts

Google Podcasts

Overcast

Podbean

Spotify

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Connect on social:

 

Facebook

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