A Powerful New Software and Marketing System to Sell
Long Term Care Insurance to the Affluent and their Businesses
The CLTC-WealthSecure System is designed for both seasoned professionals and those looking to expand their long term care insurance (LTCI) business. Regardless of experience, it opens up new opportunities for working with the affluent and their businesses. This market is literally untapped for two reasons:
1. Insurance professionals find it difficult, if not impossible, to overcome debilitating objections when working with the wealthy and their advisors such as:
"What if I don't use the product?"
"I have enough assets to self-insure."
"My client has enough resources to pay for care."
"Paying for the premium would be a lost investment opportunity for
my client."
2. Wealth managers and financial professionals generally do not understand the severe consequences not having a plan for long term care will have on the emotional, physical and financial well-being of their clients' families. Subsequently, this subject is rarely discussed.
The CLTC-WealthSecure System uses the concept of consultative selling to overcome these issues.
It gives you the language that you need to confidently address the serious consequences needing care over a period of years will have on the client's family. It then displays two solutions for managing these consequences:
Solution 1: Self -insuring the cost - The System presents a proprietary, comprehensive tax, investment, income and asset analysis which shows in black and white the true cost of that decision .
Solution 2: Transferring the cost - The client is then presented with a compelling case for shifting those costs to an insurance carrier.
The client and his or her advisor are then left to decide the appropriate course of action.
For the first time you have the tools to position LTCI as a financial transaction that preserves, not only the emotional and physical well-being of your client's family, but his (or her) sophisticated tax, estate, retirement and succession plans.
