TIP OF THE MONTH
(May 2003)

Your Key to unlocking more sales

Sales Tip

When positioning for a LTC and annuity sale, simply ask this . . . . Would you like to put a $1 million dollar barrier between your health and your wealth?  And, if I could show you how we can do this with 1% of your assets protecting 100% of your nest-egg, would you be interested?

Your creating the opportunity for an LTC sale (the $1 million dollar barrier), and an annuity sale (re-positioning 1% of their assets into a fixed annuity where the earnings are used to pay for the LTCi).

This could be used in a direct mail piece, phone script or seminar invitation

Product Tip

Your client can enjoy the “best of two worlds” when they need help at home ...  receive voluntary care by friends and family PLUS benefit dollars each month.  Available from the new Life Investors Personal Solutions and Workplace Solutions products.

 It’s the Alternative Payment Benefit (aka Cash Benefit), and here’s how it works:

·        Benefit dollars sent directly to your client – to spend as they wish

·          Benefit paid whether or not charges are incurred (must meet Chronically Ill definition)

·        Built-in policy feature – no additional premium required

·        Monthly benefit equals 10 times your basic services benefit

·        Benefit paid in lieu of other policy benefits

·        Benefits can last longer since the entire maximum daily benefit is not paid each day (a three year plan can last up to 9 years)

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