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Life Health > Health Insurance > Health Insurance

LTCI Watch: Sunglasses

By Allison Bell

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This is probably an idea that exists in some formal, seminar-spawning way.

If not, it should.

Risk reduction marketing.

This is the strategy of marketing insurance to people in such a way that you reduce the overall risk that something bad will happen to them.

What better way to reach out to consumers than to do so using novelties or simple advice that might protect them from calamities?

For me, Memorial Day is the start of summer, regardless what the calendar says.

Idea for snail mail post cards, robo calls, social media posts, and casual chitchat: Suggest that people consider buying and wearing good sunglasses.

Blindness is still a major cause of disability and inability to handle the activities of daily living. 

The ultraviolet rays in sunlight can contribute to those problems.

The American Academy of Ophthalmology recommends that people try to reduce the risk that they will get cataracts, eye cancer and macular degeneration by wearing sunglasses that block at least 99 percent of ultraviolet ways.

That’s not all that exciting. Most people who see a tweet recommending that people wear good sunglasses will ignore it. I’m the one writing this, and I have to go follow my own advice and buy good sunglasses.

But, if you do communicate that idea, and even a few of the recipients notice it (along with your name, contact information, and the concept that it’s good to prepare long-term care needs), maybe you could, theoretically, prevent a few LTC claims from flowing in years from now.

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