To download the 2025 updated 18-page White Paper, click on the following link:
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The paper was released in 2021 and was one of my most popular downloads ever!
https://advisorshare.com/white-paper-ab-ltc
www.advisorshare.com/401k-marketing-platform
What’s been updated?
1) Product #1 has been replaced—this product is focused on cash accumulation and death benefit (not as much as the LTC benefit).
2) Products #2 and #3 are the same products, but the benefits offered have dramatically increased (which is great for the consumer and advisors trying to get them to purchase).
Advisor-Branded White Paper
We offer an advisor branded version of this white paper. It’s a nice paper to give to current clients and leads to help them understand the need for an AB-LTC product, the product options, and motivate them to reach out for more information or a quote.
So, if you want a personally branded white paper, indicate so on the sign-up form.
The following is my 2021 newsletter about the AB-LTC white paper
Why did I create an 18-page AB-LTC white paper?
69% of Americans age 65 and older will need some form of LTC and the average cost of a private room in a nursing home facility is $100,000 a year ($50,000 for assisted living). You’d think more advisors would want to learn about these products.
In short, consumers need help understanding the viable options to help them pay for LTC expenses. The white paper will do that and an educated consumer, on this topic, is one who will be interested in buying a policy.
All advisors who are providing “financial” or “retirement” planning should know and be recommending these products when appropriate.
Unfortunately, most advisors are NOT familiar with AB-LTC policies and they too can learn a lot from reading this white paper.
For those who are NOT familiar with AB-LTC products, here is a quick summary:
1) It’s a life insurance policy designed with “living benefits.”
2) Living benefits = paying LTC benefits to insureds while they are still alive.
3) Benefits come in the form of a tax-free advancement of the death benefit.
4) Living benefits are activated when an insured can’t perform “2 of 6 ADLs.”
ADL stands for Activities of Daily Living (Bathing, Eating without Help, Dressing, Toileting, Continence, and Transferring (mobility)).
AB-LTC policies have three designs
1) Designed for the maximum LTC benefit.
2) Designed for an unlimited LTC benefit.
3) Designed for an OK LTC benefit but with the highest cash surrender value and death benefit.
Most advisors, if they know anything about AB-LTC policies, only know Design 1.
Some advisors know of Design 2. And almost none know of Design 3.
That’s not good enough to provide clients with the “best” and “most suitable” advice.
Not sure the paper is worth downloading/reading?
Click on the following link to download the Table of Contents:
www.uploadedimages.net/content/PDFs/table.of.contents.ab-ltc.white.paper.pdf
Roccy’s Two-Day Education/Marketing Seminar is Coming to Tampa
March 20-21, 2025
To DOWNLOAD the agenda and sign-up form, click on the following image:
