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


Resize Text Insurance Advisors, Inc. Insurance Advisors, Inc.
Key person LTCI, Combo LTCI, Hybrid LTCI

Key Person LTCI


A broker of one of our BGA’s had a young client that had taken over the 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 2 salespeople having health issues.

Our Solution:

We recommended a Long Term Care Insurance multi-life plan with:

  • Modified Guaranteed Issue underwriting
  • 10-Pay option
  • Spouses also issued with Modified Guaranteed Issue underwriting
  • Provided $3,000 per month with option to buy-up
  • Included Compound benefit Increase rider

How Plan was implemented:

  • Broker obtained census for salespeople and spouses
  • IA prepared multi-life quote options and emailed to broker and explained how they worked
  • Mailed broker presentation kits for review with business owner
  • Had him set a date for conference call
  • Through use of GoToMeeting we made presentation and answered clients’ questions.
  • Once owner agreed to a plan option we set a time for another GoToMeeting with salespeople and spouses;
    each logged in from their home computer so we could explain program to both employee and spouse at the same time.
    • We explained what a fantastic benefit this was for them
    • We explained how their retirement and other assets were protected under the Partnership Plan
      due to employer choice of plans
  • Broker took applications; IA scrubbed apps, submitted and processed through underwriting. Broker delivered policies

Result & Benefits Provided:

  • All health issues became non-issues due to MGI underwriting
  • Both employee and spouse appreciated what company was doing for them
  • All Plans were Partnership Qualified thus protecting retirement and other assets
  • 10-pay option encouraged salespeople to stay with company till retirement
  • Premium for all 10 policies was affordable


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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

Contact us

Insurance Advisors Co-Founder of
America's Long Term Care Insurance Experts
Employer Sponsored LTCI (Multi-life)
Insurance Advisors, Inc.
Individual Long Term Care Insurance

Search Index Page Description:

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