![\"alphabetsoup\"](\"http:\/\/www.himmelsteinfinancial.com\/wp-content\/uploads\/alphabetsoup.png\")
<\/p>\n<\/p>\n
ABR, LTC, CC, TC, and other confusing abbreviations<\/p>\n
Life Indemnity Critical Care, ABR and LTC Riders are most talked about today because if added to a life policy we all know that either the client if they pay all premiums will either collect while they are living based upon the riders or their beneficiaries will collect when they leave this earth permanently.<\/span><\/p>\n 1) The Old Fashioned LTC products offered by fewer carriers<\/b> Most professionals are not knowledgeable about all of the products and choices. As we well know the good old fashioned LTC products offerings are de- Many of us know about the Bundled product marketed by few companies However, the latest and greatest is the rider on a life policy which could either be a LTC rider based on a reimbursement basis (with a charge of costs on the policy, included in a policy), as an ABR Accelerated Benefit Rider (not charged until claim happens), or as another type of rider on an indemnity basis (where the client gets cash to use any way they desire).\u00a0 Usually the latter 2 ways, as a rider included in cost ABR or as Chronic Care usually have the trigger be suffering 2 out of the 6 ADL\u2019s and requiring expected help for the remainder of life.<\/p>\n Many companies offer this product on many of the permanent type policies including WL, GUL, indexed UL, VUL SUL, SIUL and SVUL chassis. Depending upon your state a company might show a presence of these riders on any or all these products<\/p>\n Our agency is most excited about these last offerings and we have found that we have been getting competitive and even standard offers for people who have been totally declined for LTC.\u00a0 We have a few companies that have different approaches and can give you the Most Competitive Offerings.<\/strong><\/p>\n ABR, LTC, CC, TC, and other confusing abbreviations Long Term Care in the past was the only way one could get coverage<\/p>\nWe Now Have More New Unique Ways to Solve for LTC<\/h4>\n
\n2) The Bundled Single Premium LTC Life products<\/b>
\n3) Life with LTC Rider<\/b>
\n4) Life with the Critical Care Rider<\/b><\/span><\/p>\n
\nRather than be verbose and bore everybody with facts we will be happy to forward
\nyou a link so you can get a complete explanation of these product. The ones in the
\nred will be highlighted in this article.<\/p>\n
\ncreasing rapidly and many of our clients will not qualify for these policies.
\nEven with limited offerings,\u00a0 we are prepared to give you a spreadsheet of
\nthe current providers that compares prices and benefits complimentary<\/b><\/span><\/span><\/span><\/b><\/p>\n
\nwith a single premium or Short pay that has LTC benefits highlighted but
\nalso has a smaller residual death benefit.\u00a0 This can fit many situations and
\nwe have some of the best that we can illustrate for you<\/b><\/span><\/span><\/span>.<\/b><\/span><\/span><\/span><\/p>\n
\n![](\"http:\/\/www.himmelsteinfinancial.com\/wp-content\/uploads\/questions.jpg\")
<\/h3>\nQuestions that came up from last week\u2019s mailing<\/span><\/h3>\n
1. Can I get my declined LTC prospects insured?<\/h4>\n
2. Can I buy this in a trust?<\/h4>\n
3. Is there a version that my competitors don’t have?<\/h4>\n
4. Is there a way I can show large cash values first year?<\/h4>\n
5. Can this be used as the anchor for the (IACT) sale?<\/h4>\n
\u00a0\u00a0\u00a0\u00a0 insured asset conversion trust<\/h4>\n
6. Can this protect my clients assets and allow them to<\/h4>\n
\u00a0\u00a0\u00a0\u00a0 get a higher income by obtaining a SPIA or a deferred SPIA.<\/h4>\n
7. Is the above approach better than these Indexed Living Benefit<\/h4>\n
\u00a0\u00a0\u00a0\u00a0 riders on index annuities?<\/h4>\n
8. Can I use this in a Buy Sell?<\/h4>\n
9. Can I use this as a corporate benefit?<\/h4>\n
\nWe are experts and will answer all of these questions.
\nCall us Today, We’d Love to hear from You!<\/h4>\n
\nQuestions ? Call Paul !<\/h4>\n","protected":false},"excerpt":{"rendered":"