In response to Doctor Marion: LTCI "should be mandatory"
The reason advisors do not sell more LTCI:
• The product is more complex than it needs to be. A simpler indemnity policy would make it more attractive to consumers.
• Confusion about what Medicare/Medicaid covers.
• Most people do not believe they will have a long, degenerative sickness before dying.
• Most families (especially Latins) expect that the family will deal with the needs of an elderly parent (currently doing that in my family).
• Home care vs. facility care: Some policies cover both, but it needs to be clearer.
• Need more products combining life/LTCI, which will make the product more attractive.
-Geronimo Schmidt
In response to "A magic potion to cure your sales problems?"
Great article! Many agents are always looking for the magic potion, silver bullet, irresistible bait or other gimmick that overcomes all objections without any effort on their part. This is why most of them are mired in mediocrity. When they find out the truth—that the most successful producers are doing something relatively simple, just doing it in large volumes, without the technological distractions that monopolize everyone else's attention—they often don't believe it.
-Brent D. Gardner, CLU, ChFC
In response to "Blood and money: Families fighting over inheritance"
Family fighting over money? No way!
-Rick Brass
In response to "Social Security update: 2012 will see a COLA wash"
Perhaps those who are seniors have enough time and wisdom to run this country, instead of those in Washington. I urge you to connect with your neighbors and provide alternatives to those in Washington. If not, then expect bad government to continue. If you haven't helped elect a politician, or someone you believe in, you have earned the Congress you have.
-Eric Brown
In response to "Suze Orman is wrong, but about what?"
Most of us who are licensed to give advice in these areas have put in the time to become a professional in our field of expertise. If she starts giving medical advice or legal advice she would hopefully have no credibility. If I gave financial advice without a license I would be arrested. These radio and TV gurus are not licensed, yet people listen to them without question. What is worse, they make a ton of money giving advice they are not licensed to give. Go figure!
-Saleaway3
In response to "What Sarah Palin can teach advisors about branding"
Yeah, and it doesn't hurt to look hot like Sarah!
-Arnie Barney
In response to "A Study in Diversity: Women"
We are so proud of Jo Ann! Way to go to a successful businesswoman and an even more successful mom.
-Abby Salameh
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