[LTC-Sales_Discussions] RE: [LTC Sales Discussions] Who should NOT own LTCi????
Scott A. Olson, CLTC
ltc-sales_discussions@ltpcalums.com
Thu, 30 Oct 2003 1:10:00 +0000
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<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Bravo, Bob. </FONT></D=
IV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>I couldn't agree more! =
The =
reason more people don't buy LTCi is because we suck at selling it!</FONT><=
/DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Pardon my vernacular!</FONT>=
</DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>If we all did a better job o=
f =
closing, studying, hustling... every self-reliant individual in this countr=
y =
would own long term care insurance regardless of age!</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Thank you for talking =
straight!</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Mr. Cuscovitch's commentary =
on who =
should and shouldn't own LTCi was the biggest pile of horsesh*t I've run ac=
ross =
in a long time. </FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Keep up the good work, Bob.&=
nbsp; I =
never thought I'd say that to a Bankers Life agent, but I am in this =
case!</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>sao</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4><A =
href=3D"mailto:scottaolson@hotmail.com">scottaolson@hotmail.com</A></FONT><=
/DIV>
<DIV> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>I have to disagree with the thought that a=
ll the =
whizz-bang, flavor of the month type of vehicles do ANYTHING to increase =
penetration into any demographic market. </FONT></DIV>
<BLOCKQUOTE>
<DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>Either we uncover the need or we =
don't</FONT></DIV>
<DIV><FONT face=3DArial size=3D2>Either the client trusts us or they =
don't.</FONT></DIV>
<DIV><FONT face=3DArial size=3D2>Either the client accepts responsibility=
or they =
don't.</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>That is our job.</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>The trinkets and trims and new ideas&nbs=
p;may be =
a good way of improving our products, but it is up to us to make the =
recommendations that will improve our clients postion in relation to risk=
and =
ability.</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>I have chosen to be a career agent and t=
rainer =
with one company that has at least four different LTC products. Those plu=
s a =
couple of other products are enough to help everyone I've spoken to in th=
e =
past 5 months. Those of you that are independents, select =
a small handful of the most durable companies with well establi=
shed =
claims history and go to work.</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>Not everyone is going to get it and the =
latest =
and greatest widget is no going to push them over the edge, it's only goi=
ng to =
give them another reason to "think it over".</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>If you consistently sit at the kitchen t=
able and =
do the right thing, the numbers will take care of themselves.</FONT></DIV=
>
<DIV><FONT face=3DArial size=3D2>If you concentrate on the purpose of you=
r job, =
the results will be astounding.</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>Just my opinion, I could be wrong.</FONT=
></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>Bob Hadidian</FONT></DIV>
<DIV><FONT face=3DArial size=3D2>Field Trainer</FONT></DIV>
<DIV><FONT face=3DArial size=3D2>Bankers Life and Casualty</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV> </DIV>
<BLOCKQUOTE dir=3Dltr =
style=3D"PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-=
LEFT: #000000 2px solid; MARGIN-RIGHT: 0px">
<DIV style=3D"FONT: 10pt arial">----- Original Message ----- </DIV>
<DIV =
style=3D"BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: black"><B>F=
rom:</B> =
<A title=3DBarclay@SeniorCareConcepts.com =
href=3D"mailto:Barclay@SeniorCareConcepts.com">Barclay Sisk</A> </DIV>
<DIV style=3D"FONT: 10pt arial"><B>To:</B> <A =
title=3Dltc-sales_discussions@ltpcalums.com =
href=3D"mailto:ltc-sales_discussions@ltpcalums.com">ltc-sales_discussio=
ns@ltpcalums.com</A> =
</DIV>
<DIV style=3D"FONT: 10pt arial"><B>Sent:</B> Wednesday, October 29, 200=
3 10:59 =
AM</DIV>
<DIV style=3D"FONT: 10pt arial"><B>Subject:</B> [LTC-Sales_Discussions]=
RE: =
[LTC Sales Discussions] Who should NOT own LTCi????</DIV>
<DIV><BR></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2>Hello All!</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f size=3D2>We =
all agree that it is great that a few of our clients have the=
=
forethought to purchase LTCi at younger ages, however most people are s=
till =
not listening to us. A new strategy is coming from Hancock to help us =
attract those younger clients. It is the GPO (Guaranteed Purchase Optio=
n) =
<U>with a conversion option at age 65 to compound inflation</U>. This w=
as =
introduced during the Federal program with a lot of success. We wa=
nt to =
get those younger prospects insured before they have insurability =
problems or if they go on claim before age 65.</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2>Most agents who are selling to younger clients are selling a l=
ower =
benefit with compound inflation, which is not sufficient if the client =
goes =
on claim before 65. This new option of giving them a higher benefi=
t =
with optional inflation conversion later in life may be a way for =
us to =
break through some of the barriers that we have with the younger market=
, =
when we are fighting for dollars that are going towards retirement or =
college savings for children.</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f size=3D2>1) =
What are your thoughts on using this GPO with the age 65 conversion =
option?</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2>2) We see a lot of Kanawha, State Life, Lincoln Benefit, =
and =
Life Investors being sold which sounds like some =
prospects are just spread sheeting for the lowest price. =
Shouldn't we be looking for the top carriers that have paid out mo=
re in =
claims than some of these companies are worth?</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f size=3D2>3) =
We know CNA was a top carrier and look what has happened to =
them!</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2>Sometimes we are our own worst enemy! Younger clients tru=
st us =
to give them the best carriers if they are going to buy this stuff befo=
re =
age 50. I have seen several well known companies leave the LTCi market =
in =
the last 10 years, but there are still some agents selling LTCi ba=
sed =
solely on the lowest premium. If we want to go after the youn=
ger =
ages, shouldn't we be using the companies with long standing history in=
LTCi =
and deeper pockets? These younger folks may not go on claim for another=
30 =
or 40 years.</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f size=3D2>I =
am looking forward to YOUR thoughts. Shoot me an email or give me a cal=
l to =
discuss.</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2>Barclay</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003>
<P><FONT size=3D2>Senior Care Concepts, Inc.<BR>Insuring a secure and =
independent future<BR><BR>Phone: (336) =
292-2236 &nb=
sp; <BR>Toll-Free: =
1-888-450-4870<BR><BR>Fax: (336) =
852-8528 &nb=
sp; <BR>Toll =
Free: 1-888-450-4871<BR><BR>Mailing Address: P.O. Box 4548 =
Greensboro, North Carolina 27404<BR>Physical Address: 4605-D Dund=
as =
Drive Greensboro, North Carolina =
27407<BR> &n=
bsp;  =
; <BR>We =
are a Long-Term Care brokerage committed to providing quality insurance=
=
products with sensible solutions to the client's future Long-Term Care =
needs. Please give us a call if you have any questions or need ou=
r =
assistance.<BR> </FONT> </P></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial color=3D#0000f=
f =
size=3D2></FONT></SPAN> </DIV>
<BLOCKQUOTE dir=3Dltr style=3D"MARGIN-RIGHT: 0px">
<DIV class=3DOutlookMessageHeader dir=3Dltr align=3Dleft><FONT face=
=3DTahoma =
size=3D2>-----Original Message-----<BR><B>From:</B> =
ltc-sales_discussions-admin@ltpcalums.com =
[mailto:ltc-sales_discussions-admin@ltpcalums.com]<B>On Behalf Of =
</B>Denise R. Molohon<BR><B>Sent:</B> Tuesday, October 28, 2003 4:41 =
PM<BR><B>To:</B> ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</=
B> =
RE: [LTC-Sales_Discussions] Who should NOT own =
LTCi????<BR><BR></FONT></DIV>
<DIV><SPAN class=3D081483121-28102003><FONT face=3DArial color=3D#000=
0ff =
size=3D4>I third it! I also own lifetime benefits, compounding =
inflation and have since I was 37! People who purchase thi=
s =
product at younger ages have usually experienced some family members =
needing LTC. When you've had 2 grandfathers pass =
on Alzheimer's, a grandmother who gave everything to Medicaid wh=
ile =
spending 7 years in a NH (live to 98) and helped another family membe=
r as =
a caregiver, you don't hesitate to get your own plan in place ASAP.&n=
bsp; =
Not to mention the fact that:</FONT></SPAN></DIV><SPAN =
class=3D081483121-28102003><FONT face=3DArial color=3D#0000ff size=3D=
2>
<P class=3DMsoNormal =
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; mso-list: l=
2 level2 lfo3; tab-stops: list 1.2in"><FONT =
color=3D#000000><FONT size=3D3><SPAN =
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: Symbol; mso-bidi-font-size: 12=
.0pt">=A8<SPAN =
style=3D"FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><SPAN =
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"><FONT =
face=3D"Times New Roman">One-third of stroke victims each year are <B=
>under =
age 65</B><o:p></o:p></FONT></SPAN></FONT></FONT></P>
<P class=3DMsoNormal =
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; mso-list: l=
2 level2 lfo3; tab-stops: list 1.2in"><FONT =
color=3D#000000><FONT size=3D2><SPAN =
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: Symbol; mso-bidi-font-size: 12=
.0pt">=A8<SPAN =
style=3D"FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><SPAN =
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"><FONT =
face=3D"Times New Roman">41% of heart attacks occur to Americans <B>u=
nder =
age 65</B><o:p></o:p></FONT></SPAN></FONT></FONT></P>
<P class=3DMsoNormal =
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; mso-list: l=
2 level2 lfo3; tab-stops: list 1.2in"><FONT =
color=3D#000000><FONT size=3D2><SPAN =
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: Symbol; mso-bidi-font-size: 12=
.0pt">=A8<SPAN =
style=3D"FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><SPAN =
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"><FONT =
face=3D"Times New Roman">Average age for diagnosis of Parkinson=92s d=
isease =3D =
<B>52</B><o:p></o:p></FONT></SPAN></FONT></FONT></P>
<P class=3DMsoNormal =
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; mso-list: l=
2 level2 lfo3; tab-stops: list 1.2in"><FONT =
color=3D#000000><FONT size=3D2><SPAN =
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: Symbol; mso-bidi-font-size: 12=
.0pt">=A8<SPAN =
style=3D"FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><SPAN =
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"><FONT =
face=3D"Times New Roman">Average age of diagnosis of Multiple Scleros=
is (MS) =
=3D <B>42</B></FONT></SPAN></FONT></FONT></P>
<P class=3DMsoNormal =
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; mso-list: l=
2 level2 lfo3; tab-stops: list 1.2in"><FONT =
color=3D#000000><FONT size=3D2><SPAN =
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"></SPAN></FONT><=
/FONT><SPAN =
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: 'Times New Roman'; mso-bidi-fo=
nt-size: 12.0pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-langu=
age: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT =
color=3D#000000><FONT size=3D3><SPAN =
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: Symbol; mso-bidi-font-size: 12=
.0pt">=A8<SPAN =
style=3D"FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><SPAN =
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt">Average age of =
diagnosis of ALS (Lou Gehrig=92s Disease) =3D =
<B>48</B></SPAN></FONT></FONT></SPAN></P>
<P class=3DMsoNormal =
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; mso-list: l=
2 level2 lfo3; tab-stops: list 1.2in"><SPAN =
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: 'Times New Roman'; mso-bidi-fo=
nt-size: 12.0pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-langu=
age: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT =
color=3D#000000><FONT size=3D3><SPAN =
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"><STRONG></STRON=
G></SPAN></FONT></FONT></SPAN> </P>
<P class=3DMsoNormal =
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; mso-list: l=
2 level2 lfo3; tab-stops: list 1.2in"><SPAN =
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: 'Times New Roman'; mso-bidi-fo=
nt-size: 12.0pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-langu=
age: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT =
size=3D+0><FONT size=3D3><SPAN =
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"><SPAN =
class=3D081483121-28102003><FONT color=3D#000000><STRONG>Or that 40% =
of people =
using LTC are between 18 & =
64.</STRONG></FONT></SPAN></SPAN></FONT></FONT></SPAN><SPAN =
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: 'Times New Roman'; mso-bidi-fo=
nt-size: 12.0pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-langu=
age: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT =
size=3D+0><FONT size=3D3></P>
<DIV style=3D"mso-element: footnote-list">
<DIV style=3D"mso-element: footnote">
<P class=3DMsoFootnoteText style=3D"MARGIN: 0in 0in 0pt"><SPAN =
style=3D"FONT-SIZE: 14pt; mso-bidi-font-size: 10.0pt"><FONT =
color=3D#000000></FONT></SPAN> </P>
<P class=3DMsoFootnoteText style=3D"MARGIN: 0in 0in 0pt"><SPAN =
style=3D"FONT-SIZE: 14pt; mso-bidi-font-size: 10.0pt"><FONT =
color=3D#000000></FONT></SPAN> </P>
<P class=3DMsoFootnoteText style=3D"MARGIN: 0in 0in 0pt"><SPAN =
style=3D"FONT-SIZE: 14pt; mso-bidi-font-size: 10.0pt"><o:p><FONT =
color=3D#000000></FONT></o:p></SPAN> </P></DIV></DIV></FONT></FO=
NT></SPAN></FONT></SPAN><SPAN =
class=3D081483121-28102003><FONT face=3DArial color=3D#0000ff =
size=3D2></FONT></SPAN>
<DIV><SPAN class=3D081483121-28102003></SPAN> </DIV>
<DIV><SPAN class=3D081483121-28102003></SPAN><FONT face=3DTahoma><FON=
T =
size=3D2><SPAN class=3D081483121-28102003><FONT face=3DArial =
color=3D#0000ff></FONT></SPAN></FONT></FONT> </DIV>
<DIV><FONT face=3DTahoma><FONT size=3D2><SPAN =
class=3D081483121-28102003> </SPAN>-----Original =
Message-----<BR><B>From:</B> ltc-sales_discussions-admin@ltpcalums.co=
m =
[mailto:ltc-sales_discussions-admin@ltpcalums.com]<B>On Behalf Of =
</B>Dominic Mogavero A007<BR><B>Sent:</B> Tuesday, October 28, 2003 2=
:07 =
PM<BR><B>To:</B> 'ltc-sales_discussions@ltpcalums.com'<BR><B>Subject:=
</B> =
RE: [LTC-Sales_Discussions] Who should NOT own =
LTCi????<BR><BR></DIV></FONT></FONT>
<BLOCKQUOTE dir=3Dltr style=3D"MARGIN-RIGHT: 0px">
<DIV id=3D0></DIV><BR><SPAN class=3D020580519-28102003><EM><FONT =
color=3D#0000ff size=3D4> Mark I second that... I too ow=
n LTCI =
with a lifetime benefit, compound etc...bought it when I was 40.&nb=
sp; =
No one is going to diminish my lifestyle or my son's ( I am a=
=
single Dad). </FONT></EM></SPAN><BR><SPAN id=3Dhbblock><LABEL =
id=3DHbSession SessionId=3D"1668712639"></LABEL>
<DIV> </DIV>
<DIV> </DIV>
<P><B><I><FONT face=3DCoronet color=3D#800000 =
size=3D5>Dominic</FONT></I></B><I></I> <BR><I><FONT face=3D"Times N=
ew Roman" =
color=3D#800000 size=3D2>Dominic Mogavero</FONT></I> <BR><I><FONT =
face=3D"Times New Roman" color=3D#800000 size=3D2>Long Term Care =
Specialist</FONT></I> <BR><I><FONT face=3D"Times New Roman=
" =
color=3D#800000 size=3D2>Society of Senior Market Professionals</FO=
NT></I> =
<BR><I><FONT face=3D"Times New Roman" color=3D#800000 size=3D2>Stra=
tegic =
Financial Partners</FONT></I> <BR><I><FONT face=3D"Times New Roman"=
=
color=3D#800000 size=3D2>800 South St. Suite 505</FONT></I> <BR><I>=
<FONT =
face=3D"Times New Roman" color=3D#800000 size=3D2>Waltham, MA 02453=
</FONT></I> =
<BR><I><FONT face=3D"Times New Roman" color=3D#800000 size=3D2>781.=
642.0700 =
x287</FONT></I> <BR><I><FONT face=3D"Times New Roman" color=3D#8000=
00 =
size=3D2>781.642.6730 fax</FONT></I> <BR><I><FONT face=3D"Times New=
Roman" =
color=3D#800000 size=3D2>DMogavero@sfp-ma.com</FONT></I> </P>
<BLOCKQUOTE dir=3Dltr style=3D"MARGIN-RIGHT: 0px">
<DIV class=3DOutlookMessageHeader dir=3Dltr align=3Dleft><FONT fa=
ce=3DTahoma =
size=3D2>-----Original Message-----<BR><B>From:</B> mark leonard =
[mailto:mcleonard@geeksnet.com]<BR><B>Sent:</B> Tuesday, October =
28, =
2003 1:10 PM<BR><B>To:</B> =
ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</B> RE: =
[LTC-Sales_Discussions] Who should NOT own =
LTCi????<BR><BR></FONT></DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff size=
=3D2>I AM =
SORRY BUT I CAN'T STAND THIS ANYMORE. </FONT></SPAN></DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff size=
=3D2>HOW DO =
I PUT THIS, EVERYONE ON THIS BOARD NEEDS TO GO VISIT THEIR =
NEAREST MEDICAID FACILITY AND SPEND ALL DAY THERE AND DEVELOP SOM=
E =
HEART, ESPECIALLY MR. CUSCOVITCH, WHO OBVIOUSLY IS A DANGER TO TH=
IS =
PROFESSION OR ELSE HE DRINKS TOO MUCH BEFORE HE READS HIS EMAIL. =
I =
PERSONALLY BOUGHT LIFETIME COVERAGE CP INFLATION, 0 ELIM, PLUS =
SURVIVORSHIP, WHEN I WAS 45, AND I HAVE NO ASSETS, NO SAVINGS, JU=
ST A =
WIFE AND 3 BEAUTIFUL GROWN CHILDREN AND A BOSTON TERRIER WHO I JU=
ST =
HAPPEN TO LOVE MORE THAN ALL THE SO CALLED "LIFESTYLE OPTIONS" AN=
D =
MATERIAL THINGS THAT I COULD WASTE MY MONEY ON, BECAUSE I KNOW FR=
OM =
EXPERIENCE THAT IF SOMETHING HAPPENS TO ME OR MY WIFE, LTCI WOULD=
BE A =
MATTER OF "WHO'S GOT THE BETTER LIFESTYLE NOW". MY QUESTION IS, M=
R =
CUSCOVITCH, WHO REALLY NEEDS TO SEE A SHRINK?</FONT></SPAN></DIV>=
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff size=
=3D2>WHO =
NEEDS TO BUY LTC?</FONT></SPAN></DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff size=
=3D2>WHO AND =
WHAT DO YOU LOVE?</FONT></SPAN></DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff size=
=3D2>P.S. I =
APOLOGIGE AGAIN DOUG, I SAID I WAS GOING TO BE A GOOD BOY, BUT =
SOMETIMES WHEN YOU ARE GOOD , PEOPLE DON'T =
UNDERSTAND.</FONT></SPAN></DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff =
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff =
size=3D2></FONT></SPAN> </DIV>
<DIV><FONT face=3D"Bradley Hand ITC" color=3D#0000ff size=3D2><ST=
RONG>Mark =
C. Leonard</STRONG></FONT></DIV>
<DIV><FONT face=3D"Bradley Hand ITC" color=3D#0000ff size=3D2><ST=
RONG>Long =
Term Care Options</STRONG></FONT></DIV>
<DIV><FONT face=3D"Bradley Hand ITC" color=3D#0000ff =
size=3D2><STRONG>Farmville NC 27828</STRONG></FONT></DIV>
<DIV><FONT face=3D"Bradley Hand ITC" color=3D#0000ff =
size=3D2><STRONG>252-753-6432</STRONG></FONT></DIV>
<BLOCKQUOTE>
<DIV class=3DOutlookMessageHeader dir=3Dltr align=3Dleft><FONT =
face=3DTahoma =
size=3D2>-----Original Message-----<BR><B>From:</B> =
ltc-sales_discussions-admin@ltpcalums.com =
[mailto:ltc-sales_discussions-admin@ltpcalums.com]<B>On Behalf =
Of =
</B>Scott A. Olson, CLTC<BR><B>Sent:</B> Tuesday, October 28, 2=
003 =
6:10 AM<BR><B>To:</B> =
ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</B> RE: =
[LTC-Sales_Discussions] Who should NOT own =
LTCi????<BR><BR></FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Who should not o=
wn =
LTCi?</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </D=
IV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Here are the 3 a=
nswers =
thus far:</FONT></DIV>
<DIV><FONT face=3DArial size=3D2><BR>A) From Art: E=
veryone =
should have at least a three year LTC plan if the premiums woul=
d not =
affect their life style. People who would have to alter t=
heir =
life style or give something up to pay for a three year LTC pla=
n =
should not buy LTC. </FONT></DIV>
<DIV> </DIV>
<DIV>
<DIV><FONT face=3DArial size=3D2>B) From Bob: My pe=
rsonal =
belief is anyone under 50 that can afford it. And anyone over 5=
0 =
that has more than $50,000 in assets that can afford =
it.</FONT></DIV></DIV>
<DIV> </DIV>
<DIV>C) From Doug: </DIV>
<DIV>1. If the prospect does not have Major Medical Health =
Insurance.<BR>2. If the prospect is not saving for retirement -=
i.e. =
contributing to a<BR>IRA/401k<BR>3. If the prospect has childre=
n in =
college and can't afford the premiums<BR>now without corrupting=
=
their retirement saving and/or college education<BR>4. If the =
prospect can't afford to pay the premiums without =
sacificing<BR>other important expenses (rent, etc).<BR></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </D=
IV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Those are all in=
teresting =
answers. </FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </D=
IV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>I appreciate the=
=
responses. I'd really like to hear from Mr. Cuscovitch, =
because he's obviously not a big fan of LTCi.... and he seemed =
to =
imply that there are some very specific reasons for not owning =
ltci. I'd love to hear those reasons from him.</FONT></DI=
V>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </D=
IV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>I like Doug's an=
swer the =
best. I think that in order to build people's trust we ne=
ed to =
be able to give them some objective reasons for not owning =
LTCi. </FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </D=
IV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Regarding being =
over age =
50 and having at least $50K in savings, if I'm retired and my w=
ife =
and I have $100K, she can keep most of that if I go on =
Medicaid... </FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </D=
IV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Whether we like =
it or =
not, Medicaid is our #1 competition, so we've got to understand=
it =
ourselves and we've got to help others understand it. =
</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </D=
IV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Does anyone else=
have any =
other 'objective' reasons someone SHOULD NOT buy LTCi?</FONT></=
DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </D=
IV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Scott A Olson, =
CLTC</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4></FONT> </D=
IV>
<DIV>-----Original Message-----<BR><B>From: =
</B>ltc-sales_discussions@ltpcalums.com<BR><B>Sent: </B>10/27/2=
003 =
9:06 PM<BR><B>To: =
</B>ltc-sales_discussions@ltpcalums.com<BR><B>Subject: </B>Re: =
[LTC-Sales_Discussions] Re: Ms Morris & family<BR><BR><BR><=
FONT =
face=3Darial,helvetica><FONT lang=3D0 face=3DArial size=3D2 =
FAMILY=3D"SANSSERIF">An easier one than that is -<BR><BR>Everyo=
ne =
should have at least a three year LTC plan if the premiums woul=
d not =
affect their life style.<BR><BR>People who would have to alter =
their =
life style or give something up to pay for a three year LTC pla=
n =
should not buy LTC. =
</FONT></FONT></DIV>___________________________________________=
____ =
LTC-Sales_Discussions mailing list =
LTC-Sales_Discussions@ltpcalums.com =
http://four.pairlist.net/mailman/listinfo/ltc-sales_discussions=
--- =
[This E-mail scanned for viruses by Computer Geeks =
(www.geeksnet.com)] </BLOCKQUOTE></BLOCKQUOTE></SPAN>
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