Articles:

Today’s older generation is more fit not only physically, but financially as well. People work hard over the years to accumulate assets that will help provide a comfortable retirement. However, without adequate insurance coverage, those assets could run low if individuals become sick or require nursing home care.

United American specializes in senior health products with the bulk of our sales coming from Medicare Supplements. And for the past year, we have seen tremendous growth in Branch Office Division Med-Supp sales. In fact, you recently set another senior market sales record of $2,508,988 for the week ending February 12. We want to see your senior market sales and incomes continue to climb - this can happen with growth in our Long Term Care sales. In this issue of Vision, we’d like to remind you of the benefits of selling our LTC Classic and Gold Series.

Superb products.
As with any of our policies, first and foremost, UA sells quality. But the company behind LTC protection is also critical because claims may not occur until years after the policy is initially taken out. When customers buy LTC from us they can take comfort in knowing they are getting great insurance from a financially stable company. Plus, our LTC portfolio includes both traditional indemnity and expense-incurred coverage at competitive rates. See pages 6-7 for a review of our superior product line and sales tools.

Explosive market.
Long Term Care is truly another market of tomorrow so finding prospects is easy - just think about the thousands of baby boomers who turn age 50 every day. Four in 10 people rate LTC coverage as important in their ideal retirement plan. LTC insurance allows individuals to plan for later stages of life when they may not be able to make important choices on their own about their health care spending. Jump into the market by talking with your existing client base when delivering policies!

Herculean need.
Remind customers that one way or another, they will pay for LTC expenses - either out of their own pocket or discounted through insurance. According to the Long Term Care Handbook, health care expenditures more than double between the ages of 60 and 74 compared to that of individuals age 45 to 59. And in the next 30 years, Long Term Care costs could exceed $240,000 a year.

When buying LTC from United American everybody wins - customers retain dignity and Agents gain the potential to earn record-breaking incomes! Plus, Long Term Care insurance has a low lapse and turnover rate. The product, market and need is there. Let’s all commit to increasing our Long Term Care sales in 1999. After all, if you don’t sell LTC coverage to prospects, someone else will. We can do it as a T.E.A.M. - none of is as strong as all of us! Don’t our in-force customers deserve an opportunity for your exemplary Long Term Care plan? With your help, we’ll see your LTC sales at the TOP!

Source: Life Insurance Selling, December 1998