Employee Benefits

Long-term care insurance is an intuitive product for clients who want to protect assets and control their care in retirement. But independent agents often find that LTCi proves a very challenging sale.

After surveying more than 1,000 respondents who either personally receive long-term care or provide it to a loved one, a recent study reports that the consequences of long-term care extend far beyond the care recipient’s wallet.

The idea of expanding the fiduciary standard is gaining momentum. A draft proposal being considered by a Securities and Exchange Commission (SEC) advisory group calls for the agency to raise investment advice standards for brokers, based on the law that c

Many Americans believe they are invincible to accidents and illnesses. In fact, 62% of employees think it’s not very or not at all likely they or a family member will be diagnosed with a serious illness like cancer. Yet in reality, statistics show that ma

With so much happening in the long-term care insurance marketplace, it’s tempting for agents to want to give up selling it. But while the market is in disarray, the need for the product is clear.

In recent health insurance renewal cycles, agents have had a full plate of challenges. Independent insurance agents may have felt like they are battling Goliath during the past two renewals, between reduced commissions and lower revenues.

If you ask most people heading out the door if they would grab an umbrella with a 40% chance of rain, the answer would probably be yes. So when it comes to Long-Term Care insurance (LTCi), why might many independent insurance agents tell you that getting