Find Products
Get familiar with long-term care plans and how they can enhance your portfolio.
Prescreen Clients
Figure out which clients would be a good fit for long-term care plans.
Get Help
Have questions about what plans are competitive near you or working with Ritter? Connect with our Sales team!
Product Quick Facts
WHAT IS IT?
Long-term care plans are designed to cover the costs of care for people with chronic illnesses or disabilities. It helps pay for services like assisted living facilities, nursing homes, daily activities, and home health care.
WHEN TO SELL IT?
All Year-Round
To someone nearing retirement
To an upper-middle-class or upper-class individual
To married individuals
WHY SELL IT?
Keep sales going during the lock-in period and protect clients from one of the single greatest financial risks in their golden years!
Long-Term Care Insurance Sales Training Resources from Ritter!
Cross-Selling Long-Term Care Insurance
Long-term care insurance is an extremely valuable cross-sale, for both you and your clients.
A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products
We discuss the ideal clients of and how to pitch LTCi and other ancillary products!
4 Out-of-the-Box Long-Term Care Insurance Solutions
There are four types of LTCi that make great alternatives to traditional LTCi. Take a closer look at them and what they entail.
Product Essentials
Take a look at the different types of long-term care plans below.
Stand-Alone LTC Insurance
Long considered the only method of obtaining LTC coverage, stand-alone policies have a handful of points that clients and advisors alike should consider.Life Insurance with an LTC Rider
When the rider is triggered, these policies allow clients to pull money tax free from their life insurance death benefit to pay for long-term care if needed.Annuity with an LTC Rider
These riders can typically multiply a client’s initial investment, by two or even three times, for a larger LTC benefit.
Sales Advice
Want to learn how to effectively sell long-term care plans? We can help you!
Are You Offering Multiple LTC Insurance Options?
- What Is Long-Term Care Insurance?
- Hybrid Products
- How Do You Sell It?
- Addressing LTC Rising costs
- Things to Keep in Mind
Identifying Ideal Clients for LTCi
- A Typical LTCi Buyer Is…
- But Don’t Forget…
4 Ways to Fund Hybrid Long-Term Care Insurance Agents Should Mention
- Cash Equivalents
- Life Insurance
- Non-Qualified Annuities
- Tax-Qualified Funds
Industry Insights
Check out the latest about what’s happening in the long-term care world.
Start Selling Long-Term Care Plans