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Life Health > Long-Term Care Planning

Why 3 in 4 need more

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The 3in4 Need More’s goal is to promote awareness among Americans about the need to form their personal LTC plan. Carriers, agencies and producers are supporting each other to spread the word that “Health insurance isn’t enough-3in4 need more.” The campaign provides tools and resources to help you communicate the message, and options to support formulating a plan.

Here are 11 ways the 3in4 campaign can support your business. (The first nine are free.)

  1. Videos. Utilize these videos to showcase the need to plan for LTC with strategic partners (financial advisors, CPAs, benefit brokers, business owners, etc.). This summer, the association supported a nine-week tour featuring Dr. Marion Somers, a nationally known elder care coordinator. She traveled to 20 cities in a 1960s-era converted Greyhound bus. The weekly videos showcase a week in review and focus on the need for LTC planning.
  2. Media coverage. Reposition national media from the campaign to spotlight you as one of the local 3in4 Need More specialists.
  3. Drip email. Use any 3in4 related press as drip marketing to your data base.
  4. Referrals. Use the press releases to generate referrals.
  5. Email signature line. Use the tag phrase “Click here for long-term care planning resources” and hyperlink this sentence to “resource tab” on
  6. Google alerts. Join to stay aware of 3in4 news. Use the keywords (3in4 Need More).
  7. Caregiver contest. Contact clients on a claim living at home and inform them of the caregiver contest; they could win $50,000 in a home makeover.
  8. Social Networking. Connect your social networking platforms to the campaign’s to help spread awareness.
  9. Facts. During conversations, use these three statistics on which the 3in4 concept is based. The stats are:
  • Seventy-seven percent of Americans age 30 to 65 think they should know more about LTCI than they currently do. That’s more than three out of four of your prospects.* (2010 Prudential Long-Term Care Consumer Awareness & Attitudes Study)
  • Roughly 70 percent of people over age 65 will require some form of long-term care, according to the U.S. Department of Health and Human Services. That’s nearly three in four of us.
  • In addition, 74 percent of consumers age 55 to 65 said they are concerned about needing some kind of long-term care.* (2010 Prudential Long-Term Care Consumer Awareness & Attitudes Study) Again, that’s three in four of us.

These materials are available for a small fee:

  1. Booklet. Use “7 Essentials of Long Term Care Planning” to position yourself as the local expert. The back cover can be personally branded with your photo, logo and bio.
  2. Press release. Use the “Introduction to a 3in4 Local LTC Specialist” template to introduce yourself to local media. The release is provided with your annual campaign membership.

To join the campaign, visit the website To request information, email [email protected].

For more on the need for long-term care insurance, see:

Margie Barrie is a principal at Hagelman Barrie Training Solutions and also serves as national marketing coordinator for the LTCP designation. For more information, go to


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