Long Term Care, Critical Care, Life, & Annuity Solutions for Brokers, GA's & BGA's


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Key person LTCI, Combo LTCI, Individual LTCI

Case Study

Key person LTCI, Combo LTCI, Individual LTCI

Key Person LTCI


A long-term care insurance broker of one of our BGA’s had a young client whom had taken over the family business from his father. The company had five salespeople that were valuable and necessary to the successful continuation of the business. They ranged in age from 52 to age 57. The client was looking for a way to create some sort of “golden handcuffs” that would be 1. affordable and 2. really appreciated by the salespeople. Non-qualified deferred comp was too expensive especially due to two salespeople having health issues. The answer lied in creating a Key Person LTCI plan for his company.>> Read more

Key person LTCI, Combo LTCI, Individual LTCI

Traditional vs. Combo LTCI


Insurance Advisors provides BOTH Traditional & Combo Products to our brokers. Depending on your client’s needs one may be better than the other. We will help you determine which is best. The “Sweet Spot” for Combo products are for clients age 67+ that have over $500,000 in assets AND have previously declined to buy Traditional LTCI or for clients that cannot qualify for Traditional LTCI.

The Pension Protection Act permits a client to pay for Tradition LTCI on a Tax-favored basis by using TAX-FREE Partial 1035 withdrawals from a non-qualified annuity. Here is an example of when separate products might be better than a combo product. A long term care insurance broker had a client age 70 in average health that was shown an annuity product with a long term care rider. The client was ready to deposit $200,000 that was going to earn 3.0% net interest (4% - 1% to pay for LTCI rider). The LTCI rider would provide $5,000 per month for 50 months (total pool $250,000). The other agent had explained “this is a great product; if you need LTCI you have coverage or if you need income off the annuity you can have that." In this situation, the LTCI broker had to weigh Traditional LTCI vs.Combo LTCI >> Read More

Key person LTCI, Combo LTCI, Individual LTCI

Pre-underwriting Saves Sales


An LTCI insurance broker had a client age 58 that had bladder cancer 24 months ago. The client’s BCG treatments had ended 6 months ago. He was looking for an LTCI solution with a brand name carrier, and wanted to get it right away as he was dealing with a parent and did not want to wait to get coverage. When the long term care insurance brokerage decided to pre-underwrite, they were able to save the sale & the solution. >> Read More

Key person LTCI, Combo LTCI, Individual LTCI

Poor Economy = LTCI Sales


A long term care insurance broker had a good relationship with the HR Director of a company. The owner of the business was currently dealing with long term care issues for his parents. The LTCI broker had set up an appointment for one of Insurance Advisors’ multi-life specialists to meet with the key people at the company. Two days before the meeting, due to the economy, the company announced a layoff of 12% of their workforce. We advised the broker to keep the meeting even though he thought he should reschedule for a better time. In the midst of a poor economy, companies and individuals see the importance of LTCI now more than ever. >> Read More



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Insurance Advisors, Inc.

Phone: 614.471.7191, 800.471.7191
E-mail: info@ialtc.com

Long Term Care Insurance

  • Co-Founders of America's Long Term Care Insurance Experts
  • IA Sits on the American Society of Actuaries LTC Think Tank
  • Developed methods, systems, and sales tools to aid in your success
  • New & Veteran agents find success working with us Click to learn more

Life & Annuity Sales

  • Sell more in less time with less hassle
  • Impaired Risk, Simplified Issue, Guaranteed Issue
  • Competitive contracts and great companies help brokers Place Difficult cases

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Employer Sponsored LTCI (Multi-life)
Insurance Advisors, Inc.
Individual Long Term Care Insurance

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Insurance Advisors, leaders in LTCI, is a long-term care insurance broker based in Columbus, Ohio. We specialize in Individual LTCI, multi-life long term care insurance, group LTCI, Traditional LTCI and Combo LTCI, and key person long-term care insurance. Our LTCI brokerage has helped find long term care insurance solutions since 1994. Contact us for a free quote or more information. LTCI brokers Columbus Ohio, Bexley, worthington, Lewis Center, Powell, Gahanna, Bexley, Dublin, German Village, Grandview Heights, Granville, Grove City, Groveport, Hilliard, New Albany, Pickerington, Powell, Reynoldsburg, Upper Arlington, Whitehall