Blasts & News
There are many changes taking place in the Long Term Care and Disability Insurance industries these days. The information comes from many different sources, and it can be quite confusing at times to put all the pieces together and make sense of it all. At NJLTC we send out several email newsletters , "Blasts" as we call them, a month. We keep our clients, brokers, and producers informed of all the relevant news, topics, and product updates that take place in our industry. Feel free to browse our archive of Blasts and News articles.
Sales Conversations Oct 22, 2019
Quite often as we go out and see brokers, we are asked how to begin the conversation with your clients around Disability and Long Term sales. In response to this, NJLTC has put together some "Sales conversation" starters for both LTC and DI. Granted every conversation is different, but in both instances asking key questions and waiting on the clients detailed responses are paramount. Remember, key questions, and wait for the response from your client. Hopefully you find the two guides attached helpful in your efforts.
Families face 'boomerang' kid planning challenge: Nationwide
Some changes that are being seen out on the west coast:
New California law to affect Life-LTC hybrids READ MORE
Multi-Life Marketplace Oct 8, 2019
In this edition, the NJLTC blast will address the multi-life LTC marketplace. It is certainly not wha tit used to be in days past, but there are still opportunities to be had, especially in NJ, and a little less so in NY. TransAmerica, Life Secure, and National Guardian Life all have programs to address the need for Long Term Care at the worksite. Different combinations of employer paid carve outs, voluntary LTC, or a combination of both, each exist. The brochures attached below address targeted multi-life characteristics, discounts, underwriting, and enrollment options. NJLTC is here to help navigate this process. Review the following items and contact us with any questions you may have.
Spectacular September Sep 18, 2019
This blast is a variety of articles, carrier information and updates in both the DI and LTC marketplaces. On the disability side - The Council for Disability Awareness shares some of it's survey and research facts.
10 million single female workers at extreme financial risk from a disability READ MORE