This law is called The Pension Protection Act or PPA. "New" 1035 exchange provisions in this law can either lead to new sales or lead to the replacement of your business. It is in your interest to learn how this law works so you can do the best job for your clients. As trainers and one of America's premier Long Term Care Insurance organizations, Insurance Advisors is here to help give you the information you need regarding the Pension Protection Act. We can help you protect your book of business and show you how to make NEW sales.

To get started:Contact Insurance Advisors at 800-471-7191 Ext. 307 or 308. Or email us at info@ialtc.com and give us your contact information and we will have an expert in this field contact you.

Ask us how, due to this new law, you can make two or three sales without taking one penney out of your client's budget or current income.

Contact Insurance Advisors TODAY -- Make New Sales Tomorrow.

It's a woman's issue.

Check out this video which is an interview with TERRY SAVAGE, nationally syndicated financial columnist for the Chicago Sun-Times. She was interviewd by the Center for Long-Term Care Reform's LTC-TV. Terry was the keynote speaker at the the recent 8th LTCi National Producers Summit in Kansas City.

A one minute excerpt is available for viewing at: http://www.youtube.com/ltctv#p/a/u/0/_6ZjlkdtcJE

We're very proud of our founder, Nick Hogan. Nick was recently voted President of Diversified Marketing Group by his peers in the organization. DMG is owned by its member firms. Diversified Marketing Group, Inc. is a national company serving Agents and Brokers at the local level. The members are experienced insurance professionals serving Financial Professionals across the country. IA is a member and stock holder of DMG. Contratulations, Nick!

Impact of Pension Protection Act 2010

Effective January 1, 2010 a new provision of the PPA goes into effect. Simply put, for the first time in history Life and Annuity products can be 1035 exchanged to a life insurance or annuity contract provided the new product has a LTCI component.

What does this one law change mean to producers/agents?

• A discussion of LTCI will no longer be an option but a required portion of any agent’s practice [to protect or grow their business].
• To discuss combo products for new sales or to protect existing blocks of business ALL agents will need to be LTCI partnership certified (meaning they will have had to have completed required 8 hour course).

Insurance Advisors holds training sessions to explain the Pros and Cons of Combo Products. We explain the appropriate target market and usage for this product, the anticipated abuses or inappropriate uses of this product, the right questions to ask your clients and we can point you in the right direction if you need the required CEs.

Each sale is different, that is why Insurance Advisors offers numerous Life, Annuity, LTCI and Combo products to our brokers.

If interested in such training programs, or new products available, please contact info@ialtc.com or call us at 800-471-9171.

Websites Make a Difference

One of the things that sets Insurance Advisors apart is our website. Rather than an "electronic brochure" we asked out website developer to help us design a tool which will interface with brokers based on their long term care insurance sales experience. We think our website accomplishes our goal. Our developer is: http://completewebsitesolution.com/

Chris Noth gives his personal testimonial to what life insurance has meant to him. His father died when Chris was a young boy.

Click Here to see this video.

Partnership Plans

What type of LTCI policy constitutes a partnership plan?

In order for a policy to be partnership qualified it must have the following based on age:

Compound inflation: age 60 & under

Some form of inflation: age 61-75
(simple or compound)

No inflation required: age 76+

However, some carriers are coming out with a "pool of money" type policy which also meets partnership plan qualifications.

Wow! Things are heating up. Did some training today with two agents who each had multi-life cases of over 100 employees. One was a college with 300 employees and the other was a medical group with 100 employees and twenty doctors! This shows the fact that the three primary sectors of the economy that are doing quite well are Health Care, Education and Government. If you have businesses in any of these three sectors, they are great prospects for multi-life LTCI. The key is how you approach them, what you say and how you present and close a multi-life case. We have posted many tools on our website, http://LongTermCareInsuranceBrokerage.com , which address these issues.

Looking for people who will buy Long Term Care Insurance?

66% of all long term care insurance is being bought by or driven by women.

Target market prospects are single women age 45+

What's the best approach?
What's the best way to present LTCI to them?

What's the easiest way to get a premium committment from them?

We have developed an approach which opens up a case 100% of the time. Go to our website.

Ronald R. Hagelman, Jr, CLTC, CSA,LTCP - LTCI Columnist and President of Repbulic Marketing Group has posted a power point presentation on the meaning of the Pension Protection Act of 2010 and its impact on LTCI.

Posted on the Insurance Advisors Website: Click Here

This is the start of Insurance Advisors' Blogspot. Check back here often for news and our insights into Long Term Care Insurance sales and product information.

The future of Long Term Care Insurance Brokerage lies in selling less to more people and improving delivery at the worksite. We have developed methods, systems and sales tools which allow agents, brokers, GA's and BGA's to be successful. We represent all major and many specialty LTCI insurance companies.

Whether you have extensive experience or are new to the LTCI market we can help you with products, services, resources and support.

http://longtermcareinsurancebrokerage.com/