This is the 21st Anniversary of Long Term Care Awareness Month

Yet only 7% of adults have LTC coverage. Most adults over the age of 50 have not planned for LTC in any way, or even discussed it with their families. So we—the retirement planning specialists—need to be guiding our clients in creating a LTC plan. Not only do they save money, they also provide guidelines for the family in navigating care for loved ones, and determine the funding sources to use to pay for the care.

Unfortunately, this isn’t something people plan for until a health care crisis hits, and then it’s too late

When seniors fail to plan for LTC, family and friends scramble to navigate the world of care options—reactively. Not fun, I’ve been there, done that. There’s placement, finding proper care givers, home or custodial care, insurance, paying for care. And paying for care can involve taking out reverse mortgages, spending down assets, and tapping into retirement savings. All to pay for care – leaving little or no funds for a surviving partner, or for leaving a legacy.

Speaking to clients about LTC planning

Who do you know who has needed custodial care? What’s YOUR plan for LTC? How do you intend to pay for LTC? Who do you wish to be your care givers? That last questions can hit them hard about the reality of their own care giving! There are common objections for sure and TWH has training for that. Give me a call and we’ll talk about this important and profitable sale and maybe your own concern of Long Term Care needs as well.

800‐200‐9194, ext. 206

~ John Roberts

Marketing Director

VP, TWH Agency, Inc.

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