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Condition: Used: Very Good
Comment: 2001, 2nd Edition, Paperback. CLEAN PAGES! NO MARKINGS! Almost Like New! Nice copy, very minor wear...will make a very good reading/working copy. Priced to sell...enjoy! +++ I do my best to describe the exact condition of all my items so you know exactly what you are buying...I always try to under-promise and over-deliver. +++ *** I aim at 100% Customer Satisfaction and I know that you will not be disappointed with this item. ***
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Long Term Care Insurance-the Complete Guide Paperback – 2001

5 out of 5 stars 3 customer reviews

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Product Details

  • Paperback: 192 pages
  • Publisher: professional printers (2001)
  • Language: English
  • ISBN-10: 0970331215
  • ISBN-13: 978-0970331212
  • Product Dimensions: 8.9 x 6 x 0.6 inches
  • Shipping Weight: 12 ounces
  • Average Customer Review: 5.0 out of 5 stars  See all reviews (3 customer reviews)
  • Amazon Best Sellers Rank: #2,846,446 in Books (See Top 100 in Books)

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Top Customer Reviews

1.) The Case for LTCI

Ann Landers letter 16
What age? / The cost of waiting / Depend upon stocks 21,34
Savings vs. LTCI 23,37
Advisor said not to buy LTCI 33,34
Trial closes 36,150,157,162
LTC and sibling relationships 38,39
11 reasons to own LTCI 40
2.) How to Chose an Agent and Company
General agent vs. LTCI Specialist 41-43
Choosing a company 44
"But the other company has a rate guarantee..." 52,100
Is rate increase history important? 51,52
Claims payment percentage record 55,58
Reasons not to choose an inexperienced company 60
Single Premium policies 61
Liberal underwriting = rate increases / The Death Spiral 63
Inexperienced companies under-pricing policies 63
Rate increases of 700% 64
3.) What to Look For in LTCI
Advantage of "Stand-by Assistance" trigger 70
Linking cognitive impairment to ADL loss 72
Typical order in which ADL's are lost 72
Definition / advantages of a Tax-Qualified plan 74,100
Reason for Zero Day Elimination Period for HHC 76
Reimbursement vs. Indemnity 77
ALF definition 77,78
100% of DM in NH, but 80% in ALF 79
The misconception of Restoration of Benefits 81-83
The misconception of Return of Premium 83
Argument against Guaranteed Option to Purchase 86
CPI Inflation Rider vs. Compound 86
Ways companies calculate Inflation Protection 87-89
Why a Care Coordinator? 92,93
HHC Benefits paid Monthly vs. Weekly / Daily 94
Independent vs. Agency HHC Providers 95
Home Care Only policies 95-97
Specified Equip/Home Mod vs. "May be covered under Alternate Plan" 99
Shared policy 100-102
Life Insurance with LTCI 102-106
Limited Pay or is "paid-up" really "paid-up"?
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Verified Purchase
Insightful, enlightening, informative and fantastic book for consumers, individuals assessing whether they want to sell long term care insurance, and for agents already selling long term care insurance. With respect to consumers, this book specifically delineates what factors to take into consideration when determining whether to own long term care insurance, and emphasizes that it is critical that the consumer explore specific issues before making a final decision. Notably, the topics identified by the author for consideration of whether long term care insurance is appropriate for a particular family or individual are based on statistical and empirical evidence.

Further, this book is also superb for individuals either considering selling long term care insurance and/or for new or experienced agents who would like to hone their skills, learn new strategies, improve their sales techniques, and become apprised of, and perhaps even master, carefully styled methods to elicit the information from prospective clients which will ultimately enable the agent to formulate a design plan that is best suited to meeting the prospective client's needs, based on the individualized factors that should be explored, probed, and incorporated into the policy.

Moreover, this book articulates compelling closing solutions to address client-raised objections, to assist the consumer in being well postured in making an informed decision on whether to acquire a long term care insurance policy. Likewise, these closing solutions arm the agent with a strategy to help the client overcome the inherent resistence consumers possess with respect to buying long term care insurance.
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Verified Purchase
Harry Crosby knows his long term care insurance! You will learn what you need to in order to sell this product!
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