[LTC-Sales_Discussions] RE: [LTC Sales Discussions] Who should NOT own LTCi????
Jack Ramsey
ltc-sales_discussions@ltpcalums.com
Wed, 29 Oct 2003 21:15:41 -0600
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R- apparently you are of the opinion that non-TQ is the quality buy for =
the money? You are with Kanawha which I represent but have not sold a =
policy. I have difficulty with potential clients getting by the name. =
Apparently you do not. What about Penn Treaty? Honest injun!!!!! =
Thanx, Jack
----- Original Message -----=20
From: Parker, Ralph=20
To: 'ltc-sales_discussions@ltpcalums.com'=20
Sent: Wednesday, October 29, 2003 2:51 PM
Subject: RE: [LTC-Sales_Discussions] RE: [LTC Sales Discussions] Who =
should NOT own LTCi????
Just a thought-you might all want to be aware of the Comdex ratings =
which is a weighted average of the major rating agencies including the =
infamous Weiss.
Lincoln Benefit is not a small player and is the strongest based on =
ratings as seen below. Their product is parallel to State and Mass =
Mutual and designed by the same actuary The Lincoln Benefit product is =
fully reinsured and I believe they are proceed so competitively because =
their administrative costs are lower and they do no pay the highest =
comp. I work with planners from 6 broker dealers and we are objective =
when we talk about LTC and we have about 10 companies available and =
Lincoln Benefit gets 65-70 % of new business.
Here are Comdex ratings with 100 the tops:
Lincoln Benefit 95
Life Investors 94
Hancock 93
GE 93
Physicians 89
ALLIANZ 84
Mutual of Omaha 83
State 82
Pru 80
Kanawha 71
UNUM 68
We offer all of the above except State and UNUM.
Just remember the litany of who have left the business: AIG, =
Travelers, Fortis, CNA, American General, West Coast
It is still a crap shoot out there, no matter what. I own a Kanawha =
policy I bought 6 years ago with no increase. If I was doing i t today, =
I would do Lincoln Benefit-will only buy NTQ.
-----Original Message-----
From: Barclay Sisk [mailto:Barclay@SeniorCareConcepts.com]
Sent: Wednesday, October 29, 2003 1:59 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: [LTC-Sales_Discussions] RE: [LTC Sales Discussions] Who =
should NOT own LTCi????
Hello All!
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 =
still not listening to us. A new strategy is coming from Hancock to help =
us attract those younger clients. It is the GPO (Guaranteed Purchase =
Option) with a conversion option at age 65 to compound inflation. This =
was introduced during the Federal program with a lot of success. We want =
to get those younger prospects insured before they have insurability =
problems or if they go on claim before age 65.
Most agents who are selling to younger clients are selling a lower =
benefit with compound inflation, which is not sufficient if the client =
goes on claim before 65. This new option of giving them a higher benefit =
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.
1) What are your thoughts on using this GPO with the age 65 =
conversion option?
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 more in claims than some of these companies =
are worth?
3) We know CNA was a top carrier and look what has happened to them!
Sometimes we are our own worst enemy! Younger clients trust us to =
give them the best carriers if they are going to buy this stuff before =
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 based =
solely on the lowest premium. If we want to go after the younger 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.
I am looking forward to YOUR thoughts. Shoot me an email or give me =
a call to discuss.
Barclay
Senior Care Concepts, Inc.
Insuring a secure and independent future
Phone: (336) 292-2236 =20
Toll-Free: 1-888-450-4870
Fax: (336) 852-8528 =20
Toll Free: 1-888-450-4871
Mailing Address: P.O. Box 4548 Greensboro, North Carolina 27404
Physical Address: 4605-D Dundas Drive Greensboro, North Carolina =
27407
=20
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 our assistance.
=20
-----Original Message-----
From: ltc-sales_discussions-admin@ltpcalums.com =
[mailto:ltc-sales_discussions-admin@ltpcalums.com]On Behalf Of Denise R. =
Molohon
Sent: Tuesday, October 28, 2003 4:41 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: RE: [LTC-Sales_Discussions] Who should NOT own LTCi????
I third it! I also own lifetime benefits, compounding inflation =
and have since I was 37! People who purchase this 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 while spending 7 years in a NH (live to 98) and =
helped another family member as a caregiver, you don't hesitate to get =
your own plan in place ASAP. Not to mention the fact that:
=A8 One-third of stroke victims each year are under age 65
=A8 41% of heart attacks occur to Americans under age 65
=A8 Average age for diagnosis of Parkinson's disease =3D 52
=A8 Average age of diagnosis of Multiple Sclerosis (MS) =3D 42
=A8 Average age of diagnosis of ALS (Lou Gehrig's Disease) =3D 48
Or that 40% of people using LTC are between 18 & 64.
=20
-----Original Message-----
From: ltc-sales_discussions-admin@ltpcalums.com =
[mailto:ltc-sales_discussions-admin@ltpcalums.com]On Behalf Of Dominic =
Mogavero A007
Sent: Tuesday, October 28, 2003 2:07 PM
To: 'ltc-sales_discussions@ltpcalums.com'
Subject: RE: [LTC-Sales_Discussions] Who should NOT own LTCi????
Mark I second that... I too own LTCI with a lifetime benefit, =
compound etc...bought it when I was 40. No one is going to diminish my =
lifestyle or my son's ( I am a single Dad).=20
Dominic=20
Dominic Mogavero=20
Long Term Care Specialist=20
Society of Senior Market Professionals=20
Strategic Financial Partners=20
800 South St. Suite 505=20
Waltham, MA 02453=20
781.642.0700 x287=20
781.642.6730 fax=20
DMogavero@sfp-ma.com=20
-----Original Message-----
From: mark leonard [mailto:mcleonard@geeksnet.com]
Sent: Tuesday, October 28, 2003 1:10 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: RE: [LTC-Sales_Discussions] Who should NOT own =
LTCi????
I AM SORRY BUT I CAN'T STAND THIS ANYMORE.=20
HOW DO I PUT THIS, EVERYONE ON THIS BOARD NEEDS TO GO VISIT =
THEIR NEAREST MEDICAID FACILITY AND SPEND ALL DAY THERE AND DEVELOP SOME =
HEART, ESPECIALLY MR. CUSCOVITCH, WHO OBVIOUSLY IS A DANGER TO THIS =
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, JUST A =
WIFE AND 3 BEAUTIFUL GROWN CHILDREN AND A BOSTON TERRIER WHO I JUST =
HAPPEN TO LOVE MORE THAN ALL THE SO CALLED "LIFESTYLE OPTIONS" AND =
MATERIAL THINGS THAT I COULD WASTE MY MONEY ON, BECAUSE I KNOW FROM =
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, MR =
CUSCOVITCH, WHO REALLY NEEDS TO SEE A SHRINK?
WHO NEEDS TO BUY LTC?
WHO AND WHAT DO YOU LOVE?
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.
Mark C. Leonard
Long Term Care Options
Farmville NC 27828
252-753-6432
-----Original Message-----
From: ltc-sales_discussions-admin@ltpcalums.com =
[mailto:ltc-sales_discussions-admin@ltpcalums.com]On Behalf Of Scott A. =
Olson, CLTC
Sent: Tuesday, October 28, 2003 6:10 AM
To: ltc-sales_discussions@ltpcalums.com
Subject: RE: [LTC-Sales_Discussions] Who should NOT own =
LTCi????
Who should not own LTCi?
Here are the 3 answers thus far:
A) From Art: Everyone should have at least a three year =
LTC plan if the premiums would not affect their life style. People who =
would have to alter their life style or give something up to pay for a =
three year LTC plan should not buy LTC.=20
B) From Bob: My personal belief is anyone under 50 that =
can afford it. And anyone over 50 that has more than $50,000 in assets =
that can afford it.
C) From Doug: =20
1. If the prospect does not have Major Medical Health =
Insurance.
2. If the prospect is not saving for retirement - i.e. =
contributing to a
IRA/401k
3. If the prospect has children in college and can't afford =
the premiums
now without corrupting their retirement saving and/or =
college education
4. If the prospect can't afford to pay the premiums without =
sacificing
other important expenses (rent, etc).
Those are all interesting answers. =20
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.
I like Doug's answer the best. I think that in order to =
build people's trust we need to be able to give them some objective =
reasons for not owning LTCi. =20
Regarding being over age 50 and having at least $50K in =
savings, if I'm retired and my wife and I have $100K, she can keep most =
of that if I go on Medicaid... =20
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. =20
Does anyone else have any other 'objective' reasons someone =
SHOULD NOT buy LTCi?
Scott A Olson, CLTC
-----Original Message-----
From: ltc-sales_discussions@ltpcalums.com
Sent: 10/27/2003 9:06 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: Re: [LTC-Sales_Discussions] Re: Ms Morris & family
An easier one than that is -
Everyone should have at least a three year LTC plan if the =
premiums would not affect their life style.
People who would have to alter their life style or give =
something up to pay for a three year LTC plan should not buy LTC.=20
_______________________________________________ =
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)]=20
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<DIV><FONT face=3DArial size=3D2>R- apparently you are of the =
opinion that=20
non-TQ is the quality buy for the money? You are with Kanawha =
which I=20
represent but have not sold a policy. I have difficulty with =
potential=20
clients getting by the name. Apparently you do not. What =
about Penn=20
Treaty? Honest injun!!!!! Thanx, Jack</FONT></DIV>
<BLOCKQUOTE dir=3Dltr=20
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=20
style=3D"BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: =
black"><B>From:</B>=20
<A title=3Drparker.isd@aigadvisorgroup.com=20
href=3D"mailto:rparker.isd@aigadvisorgroup.com">Parker, Ralph</A> =
</DIV>
<DIV style=3D"FONT: 10pt arial"><B>To:</B> <A=20
title=3Dltc-sales_discussions@ltpcalums.com=20
=
href=3D"mailto:'ltc-sales_discussions@ltpcalums.com'">'ltc-sales_discussi=
ons@ltpcalums.com'</A>=20
</DIV>
<DIV style=3D"FONT: 10pt arial"><B>Sent:</B> Wednesday, October 29, =
2003 2:51=20
PM</DIV>
<DIV style=3D"FONT: 10pt arial"><B>Subject:</B> RE: =
[LTC-Sales_Discussions] RE:=20
[LTC Sales Discussions] Who should NOT own LTCi????</DIV>
<DIV><BR></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff size=3D2>Just=20
a thought-you might all want to be aware of the Comdex ratings which =
is a=20
weighted average of the major rating agencies including the infamous=20
Weiss.</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003></SPAN> </DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Lincoln Benefit is not a small player and is the strongest =
based on=20
ratings as seen below. Their product is parallel to State and Mass =
Mutual and=20
designed by the same actuary The Lincoln Benefit product is fully =
reinsured=20
and I believe they are proceed so competitively because their =
administrative=20
costs are lower and they do no pay the highest comp. I work with =
planners from=20
6 broker dealers and we are objective when we talk about LTC and we =
have about=20
10 companies available and Lincoln Benefit gets 65-70 % of new=20
business.</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff size=3D2>Here=20
are Comdex ratings with 100 the tops:</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Lincoln Benefit 95</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff size=3D2>Life=20
Investors 94</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
=
size=3D2>Hancock &nb=
sp;=20
93</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
=
size=3D2>GE &n=
bsp; =20
93</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Physicians =
89</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>ALLIANZ =
84</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Mutual of Omaha 83</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
=
size=3D2>State  =
; =20
82</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
=
size=3D2>Pru &=
nbsp; 80</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
=
size=3D2>Kanawha 71<=
/FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
=
size=3D2>UNUM =
=20
68</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff size=3D2>We=20
offer all of the above except State and UNUM.</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff size=3D2>Just=20
remember the litany of who have left the business: AIG, =
Travelers,=20
Fortis, CNA, American General, West Coast</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff size=3D2>It=20
is still a crap shoot out there, no matter what. I own a Kanawha =
policy I=20
bought 6 years ago with no increase. If I was doing i t today, I would =
do=20
Lincoln Benefit-will only buy NTQ.</FONT></SPAN></DIV>
<DIV><SPAN class=3D501314220-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<BLOCKQUOTE dir=3Dltr style=3D"MARGIN-RIGHT: 0px">
<DIV class=3DOutlookMessageHeader dir=3Dltr align=3Dleft><FONT =
face=3DTahoma=20
size=3D2>-----Original Message-----<BR><B>From:</B> Barclay Sisk=20
[mailto:Barclay@SeniorCareConcepts.com]<BR><B>Sent:</B> Wednesday, =
October=20
29, 2003 1:59 PM<BR><B>To:</B>=20
ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</B>=20
[LTC-Sales_Discussions] RE: [LTC Sales Discussions] Who should NOT =
own=20
LTCi????<BR><BR></FONT></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Hello All!</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff size=3D2>We=20
all agree that it is great that a few of our clients have =
the=20
forethought to purchase LTCi at younger ages, however most people =
are still=20
not listening to us. A new strategy is coming from Hancock to help =
us=20
attract those younger clients. It is the GPO (Guaranteed Purchase =
Option)=20
<U>with a conversion option at age 65 to compound inflation</U>. =
This was=20
introduced during the Federal program with a lot of success. We =
want to=20
get those younger prospects insured before they have =
insurability=20
problems or if they go on claim before age 65.</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Most agents who are selling to younger clients are selling =
a lower=20
benefit with compound inflation, which is not sufficient if the =
client goes=20
on claim before 65. This new option of giving them a higher =
benefit=20
with optional inflation conversion later in life may be a way =
for us to=20
break through some of the barriers that we have with the younger =
market,=20
when we are fighting for dollars that are going towards retirement =
or=20
college savings for children.</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff size=3D2>1)=20
What are your thoughts on using this GPO with the age 65 conversion=20
option?</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>2) We see a lot of Kanawha, State Life, Lincoln =
Benefit, and=20
Life Investors being sold which sounds like some=20
prospects are just spread sheeting for the lowest price.=20
Shouldn't we be looking for the top carriers that have paid out =
more in=20
claims than some of these companies are worth?</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff size=3D2>3)=20
We know CNA was a top carrier and look what has happened to=20
them!</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Sometimes we are our own worst enemy! Younger clients =
trust us=20
to give them the best carriers if they are going to buy this stuff =
before=20
age 50. I have seen several well known companies leave the LTCi =
market in=20
the last 10 years, but there are still some agents selling =
LTCi based=20
solely on the lowest premium. If we want to go after the =
younger=20
ages, shouldn't we be using the companies with long standing history =
in LTCi=20
and deeper pockets? These younger folks may not go on claim for =
another 30=20
or 40 years.</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff size=3D2>I=20
am looking forward to YOUR thoughts. Shoot me an email or give me a =
call to=20
discuss.</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Barclay</FONT></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003>
<P><FONT size=3D2>Senior Care Concepts, Inc.<BR>Insuring a secure =
and=20
independent future<BR><BR>Phone: (336)=20
=
292-2236  =
; <BR>Toll-Free:=20
1-888-450-4870<BR><BR>Fax: (336)=20
=
852-8528  =
; <BR>Toll=20
Free: 1-888-450-4871<BR><BR>Mailing Address: P.O. Box =
4548 =20
Greensboro, North Carolina 27404<BR>Physical Address: 4605-D =
Dundas=20
Drive Greensboro, North Carolina=20
=
27407<BR> &nbs=
p;  =
; <BR>We=20
are a Long-Term Care brokerage committed to providing quality =
insurance=20
products with sensible solutions to the client's future Long-Term =
Care=20
needs. Please give us a call if you have any questions or need =
our=20
assistance.<BR> </FONT> </P></SPAN></DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D297265617-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<BLOCKQUOTE dir=3Dltr style=3D"MARGIN-RIGHT: 0px">
<DIV class=3DOutlookMessageHeader dir=3Dltr align=3Dleft><FONT =
face=3DTahoma=20
size=3D2>-----Original Message-----<BR><B>From:</B>=20
ltc-sales_discussions-admin@ltpcalums.com=20
[mailto:ltc-sales_discussions-admin@ltpcalums.com]<B>On Behalf Of=20
</B>Denise R. Molohon<BR><B>Sent:</B> Tuesday, October 28, 2003 =
4:41=20
PM<BR><B>To:</B> =
ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</B>=20
RE: [LTC-Sales_Discussions] Who should NOT own=20
LTCi????<BR><BR></FONT></DIV>
<DIV><SPAN class=3D081483121-28102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D4>I third it! I also own lifetime benefits, =
compounding=20
inflation and have since I was 37! People who purchase =
this=20
product at younger ages have usually experienced some family =
members=20
needing LTC. When you've had 2 grandfathers pass=20
on Alzheimer's, a grandmother who gave everything to Medicaid =
while=20
spending 7 years in a NH (live to 98) and helped another family =
member as=20
a caregiver, you don't hesitate to get your own plan in place =
ASAP. =20
Not to mention the fact that:</FONT></SPAN></DIV><SPAN=20
class=3D081483121-28102003><FONT face=3DArial color=3D#0000ff =
size=3D2>
<P class=3DMsoNormal=20
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; =
mso-list: l2 level2 lfo3; tab-stops: list 1.2in"><FONT=20
color=3D#000000><FONT size=3D3><SPAN=20
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: Symbol; mso-bidi-font-size: =
12.0pt">=A8<SPAN=20
style=3D"FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><SPAN=20
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"><FONT=20
face=3D"Times New Roman">One-third of stroke victims each year are =
<B>under=20
age 65</B><o:p></o:p></FONT></SPAN></FONT></FONT></P>
<P class=3DMsoNormal=20
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; =
mso-list: l2 level2 lfo3; tab-stops: list 1.2in"><FONT=20
color=3D#000000><FONT size=3D2><SPAN=20
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: Symbol; mso-bidi-font-size: =
12.0pt">=A8<SPAN=20
style=3D"FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><SPAN=20
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"><FONT=20
face=3D"Times New Roman">41% of heart attacks occur to Americans =
<B>under=20
age 65</B><o:p></o:p></FONT></SPAN></FONT></FONT></P>
<P class=3DMsoNormal=20
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; =
mso-list: l2 level2 lfo3; tab-stops: list 1.2in"><FONT=20
color=3D#000000><FONT size=3D2><SPAN=20
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: Symbol; mso-bidi-font-size: =
12.0pt">=A8<SPAN=20
style=3D"FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><SPAN=20
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"><FONT=20
face=3D"Times New Roman">Average age for diagnosis of Parkinson's =
disease =3D=20
<B>52</B><o:p></o:p></FONT></SPAN></FONT></FONT></P>
<P class=3DMsoNormal=20
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; =
mso-list: l2 level2 lfo3; tab-stops: list 1.2in"><FONT=20
color=3D#000000><FONT size=3D2><SPAN=20
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: Symbol; mso-bidi-font-size: =
12.0pt">=A8<SPAN=20
style=3D"FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><SPAN=20
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"><FONT=20
face=3D"Times New Roman">Average age of diagnosis of Multiple =
Sclerosis (MS)=20
=3D <B>42</B></FONT></SPAN></FONT></FONT></P>
<P class=3DMsoNormal=20
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; =
mso-list: l2 level2 lfo3; tab-stops: list 1.2in"><FONT=20
color=3D#000000><FONT size=3D2><SPAN=20
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: =
12.0pt"></SPAN></FONT></FONT><SPAN=20
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: 'Times New Roman'; =
mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 'Times New Roman'; =
mso-ansi-language: EN-US; mso-fareast-language: EN-US; =
mso-bidi-language: AR-SA"><FONT=20
color=3D#000000><FONT size=3D3><SPAN=20
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: Symbol; mso-bidi-font-size: =
12.0pt">=A8<SPAN=20
style=3D"FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><SPAN=20
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt">Average age =
of=20
diagnosis of ALS (Lou Gehrig's Disease) =3D=20
<B>48</B></SPAN></FONT></FONT></SPAN></P>
<P class=3DMsoNormal=20
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; =
mso-list: l2 level2 lfo3; tab-stops: list 1.2in"><SPAN=20
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: 'Times New Roman'; =
mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 'Times New Roman'; =
mso-ansi-language: EN-US; mso-fareast-language: EN-US; =
mso-bidi-language: AR-SA"><FONT=20
color=3D#000000><FONT size=3D3><SPAN=20
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: =
12.0pt"><STRONG></STRONG></SPAN></FONT></FONT></SPAN> </P>
<P class=3DMsoNormal=20
style=3D"MARGIN: 0in 0in 0pt 1.2in; TEXT-INDENT: -0.25in; =
mso-list: l2 level2 lfo3; tab-stops: list 1.2in"><SPAN=20
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: 'Times New Roman'; =
mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 'Times New Roman'; =
mso-ansi-language: EN-US; mso-fareast-language: EN-US; =
mso-bidi-language: AR-SA"><FONT=20
size=3D+0><FONT size=3D3><SPAN=20
style=3D"FONT-SIZE: 22pt; mso-bidi-font-size: 12.0pt"><SPAN=20
class=3D081483121-28102003><FONT color=3D#000000><STRONG>Or that =
40% of people=20
using LTC are between 18 &=20
64.</STRONG></FONT></SPAN></SPAN></FONT></FONT></SPAN><SPAN=20
style=3D"FONT-SIZE: 22pt; FONT-FAMILY: 'Times New Roman'; =
mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 'Times New Roman'; =
mso-ansi-language: EN-US; mso-fareast-language: EN-US; =
mso-bidi-language: AR-SA"><FONT=20
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=20
style=3D"FONT-SIZE: 14pt; mso-bidi-font-size: 10.0pt"><FONT=20
color=3D#000000></FONT></SPAN> </P>
<P class=3DMsoFootnoteText style=3D"MARGIN: 0in 0in 0pt"><SPAN=20
style=3D"FONT-SIZE: 14pt; mso-bidi-font-size: 10.0pt"><FONT=20
color=3D#000000></FONT></SPAN> </P>
<P class=3DMsoFootnoteText style=3D"MARGIN: 0in 0in 0pt"><SPAN=20
style=3D"FONT-SIZE: 14pt; mso-bidi-font-size: 10.0pt"><o:p><FONT=20
=
color=3D#000000></FONT></o:p></SPAN> </P></DIV></DIV></FONT></FONT><=
/SPAN></FONT></SPAN><SPAN=20
class=3D081483121-28102003><FONT face=3DArial color=3D#0000ff=20
size=3D2></FONT></SPAN>
<DIV><SPAN class=3D081483121-28102003></SPAN> </DIV>
<DIV><SPAN class=3D081483121-28102003></SPAN><FONT =
face=3DTahoma><FONT=20
size=3D2><SPAN class=3D081483121-28102003><FONT face=3DArial=20
color=3D#0000ff></FONT></SPAN></FONT></FONT> </DIV>
<DIV><FONT face=3DTahoma><FONT size=3D2><SPAN=20
class=3D081483121-28102003> </SPAN>-----Original=20
Message-----<BR><B>From:</B> =
ltc-sales_discussions-admin@ltpcalums.com=20
[mailto:ltc-sales_discussions-admin@ltpcalums.com]<B>On Behalf Of=20
</B>Dominic Mogavero A007<BR><B>Sent:</B> Tuesday, October 28, =
2003 2:07=20
PM<BR><B>To:</B> =
'ltc-sales_discussions@ltpcalums.com'<BR><B>Subject:</B>=20
RE: [LTC-Sales_Discussions] Who should NOT own=20
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 =
own LTCI=20
with a lifetime benefit, compound etc...bought it when I was =
40. =20
No one is going to diminish my lifestyle or my son's ( I =
am a=20
single Dad). </FONT></EM></SPAN><BR><SPAN =
id=3Dhbblock><LABEL=20
id=3DHbSession SessionId=3D"1668712639"></LABEL>
<DIV> </DIV>
<DIV> </DIV>
<P><B><I><FONT face=3DCoronet color=3D#800000=20
size=3D5>Dominic</FONT></I></B><I></I> <BR><I><FONT =
face=3D"Times New Roman"=20
color=3D#800000 size=3D2>Dominic Mogavero</FONT></I> =
<BR><I><FONT=20
face=3D"Times New Roman" color=3D#800000 size=3D2>Long Term Care =
Specialist</FONT></I> <BR><I><FONT face=3D"Times =
New Roman"=20
color=3D#800000 size=3D2>Society of Senior Market =
Professionals</FONT></I>=20
<BR><I><FONT face=3D"Times New Roman" color=3D#800000 =
size=3D2>Strategic=20
Financial Partners</FONT></I> <BR><I><FONT face=3D"Times New =
Roman"=20
color=3D#800000 size=3D2>800 South St. Suite 505</FONT></I> =
<BR><I><FONT=20
face=3D"Times New Roman" color=3D#800000 size=3D2>Waltham, MA =
02453</FONT></I>=20
<BR><I><FONT face=3D"Times New Roman" color=3D#800000 =
size=3D2>781.642.0700=20
x287</FONT></I> <BR><I><FONT face=3D"Times New Roman" =
color=3D#800000=20
size=3D2>781.642.6730 fax</FONT></I> <BR><I><FONT face=3D"Times =
New Roman"=20
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 =
face=3DTahoma=20
size=3D2>-----Original Message-----<BR><B>From:</B> mark =
leonard=20
[mailto:mcleonard@geeksnet.com]<BR><B>Sent:</B> Tuesday, =
October 28,=20
2003 1:10 PM<BR><B>To:</B>=20
ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</B> RE:=20
[LTC-Sales_Discussions] Who should NOT own=20
LTCi????<BR><BR></FONT></DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff =
size=3D2>I AM=20
SORRY BUT I CAN'T STAND THIS ANYMORE. </FONT></SPAN></DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff =
size=3D2>HOW DO=20
I PUT THIS, EVERYONE ON THIS BOARD NEEDS TO GO VISIT =
THEIR=20
NEAREST MEDICAID FACILITY AND SPEND ALL DAY THERE AND DEVELOP =
SOME=20
HEART, ESPECIALLY MR. CUSCOVITCH, WHO OBVIOUSLY IS A DANGER TO =
THIS=20
PROFESSION OR ELSE HE DRINKS TOO MUCH BEFORE HE READS HIS =
EMAIL. I=20
PERSONALLY BOUGHT LIFETIME COVERAGE CP INFLATION, 0 ELIM, PLUS =
SURVIVORSHIP, WHEN I WAS 45, AND I HAVE NO ASSETS, NO SAVINGS, =
JUST A=20
WIFE AND 3 BEAUTIFUL GROWN CHILDREN AND A BOSTON TERRIER WHO I =
JUST=20
HAPPEN TO LOVE MORE THAN ALL THE SO CALLED "LIFESTYLE OPTIONS" =
AND=20
MATERIAL THINGS THAT I COULD WASTE MY MONEY ON, BECAUSE I KNOW =
FROM=20
EXPERIENCE THAT IF SOMETHING HAPPENS TO ME OR MY WIFE, LTCI =
WOULD BE A=20
MATTER OF "WHO'S GOT THE BETTER LIFESTYLE NOW". MY QUESTION =
IS, MR=20
CUSCOVITCH, WHO REALLY NEEDS TO SEE A =
SHRINK?</FONT></SPAN></DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff =
size=3D2>WHO=20
NEEDS TO BUY LTC?</FONT></SPAN></DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff =
size=3D2>WHO AND=20
WHAT DO YOU LOVE?</FONT></SPAN></DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff =
size=3D2>P.S. I=20
APOLOGIGE AGAIN DOUG, I SAID I WAS GOING TO BE A GOOD BOY, BUT =
SOMETIMES WHEN YOU ARE GOOD , PEOPLE DON'T=20
UNDERSTAND.</FONT></SPAN></DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D238094717-28102003><FONT color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><FONT face=3D"Bradley Hand ITC" color=3D#0000ff =
size=3D2><STRONG>Mark=20
C. Leonard</STRONG></FONT></DIV>
<DIV><FONT face=3D"Bradley Hand ITC" color=3D#0000ff =
size=3D2><STRONG>Long=20
Term Care Options</STRONG></FONT></DIV>
<DIV><FONT face=3D"Bradley Hand ITC" color=3D#0000ff=20
size=3D2><STRONG>Farmville NC 27828</STRONG></FONT></DIV>
<DIV><FONT face=3D"Bradley Hand ITC" color=3D#0000ff=20
size=3D2><STRONG>252-753-6432</STRONG></FONT></DIV>
<BLOCKQUOTE>
<DIV class=3DOutlookMessageHeader dir=3Dltr =
align=3Dleft><FONT face=3DTahoma=20
size=3D2>-----Original Message-----<BR><B>From:</B>=20
ltc-sales_discussions-admin@ltpcalums.com=20
[mailto:ltc-sales_discussions-admin@ltpcalums.com]<B>On =
Behalf Of=20
</B>Scott A. Olson, CLTC<BR><B>Sent:</B> Tuesday, October =
28, 2003=20
6:10 AM<BR><B>To:</B>=20
ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</B> RE:=20
[LTC-Sales_Discussions] Who should NOT own=20
LTCi????<BR><BR></FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Who should =
not own=20
LTCi?</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" =
size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Here are the =
3 answers=20
thus far:</FONT></DIV>
<DIV><FONT face=3DArial size=3D2><BR>A) From =
Art: Everyone=20
should have at least a three year LTC plan if the premiums =
would not=20
affect their life style. People who would have to =
alter their=20
life style or give something up to pay for a three year LTC =
plan=20
should not buy LTC. </FONT></DIV>
<DIV> </DIV>
<DIV>
<DIV><FONT face=3DArial size=3D2>B) From Bob: My =
personal=20
belief is anyone under 50 that can afford it. And anyone =
over 50=20
that has more than $50,000 in assets that can afford=20
it.</FONT></DIV></DIV>
<DIV> </DIV>
<DIV>C) From Doug: </DIV>
<DIV>1. If the prospect does not have Major Medical Health=20
Insurance.<BR>2. If the prospect is not saving for =
retirement - i.e.=20
contributing to a<BR>IRA/401k<BR>3. If the prospect has =
children in=20
college and can't afford the premiums<BR>now without =
corrupting=20
their retirement saving and/or college education<BR>4. If =
the=20
prospect can't afford to pay the premiums without=20
sacificing<BR>other important expenses (rent, =
etc).<BR></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" =
size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Those are all =
interesting=20
answers. </FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" =
size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>I appreciate =
the=20
responses. I'd really like to hear from Mr. =
Cuscovitch,=20
because he's obviously not a big fan of LTCi.... and he =
seemed to=20
imply that there are some very specific reasons for not =
owning=20
ltci. I'd love to hear those reasons from =
him.</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" =
size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>I like Doug's =
answer the=20
best. I think that in order to build people's trust we =
need to=20
be able to give them some objective reasons for not owning=20
LTCi. </FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" =
size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Regarding =
being over age=20
50 and having at least $50K in savings, if I'm retired and =
my wife=20
and I have $100K, she can keep most of that if I go on=20
Medicaid... </FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" =
size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Whether we =
like it or=20
not, Medicaid is our #1 competition, so we've got to =
understand it=20
ourselves and we've got to help others understand it. =20
</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" =
size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Does anyone =
else have any=20
other 'objective' reasons someone SHOULD NOT buy =
LTCi?</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" =
size=3D4></FONT> </DIV>
<DIV><FONT face=3D"@Arial Unicode MS" size=3D4>Scott A =
Olson,=20
CLTC</FONT></DIV>
<DIV><FONT face=3D"@Arial Unicode MS" =
size=3D4></FONT> </DIV>
<DIV>-----Original Message-----<BR><B>From:=20
</B>ltc-sales_discussions@ltpcalums.com<BR><B>Sent: =
</B>10/27/2003=20
9:06 PM<BR><B>To:=20
</B>ltc-sales_discussions@ltpcalums.com<BR><B>Subject: =
</B>Re:=20
[LTC-Sales_Discussions] Re: Ms Morris & =
family<BR><BR><BR><FONT=20
face=3Darial,helvetica><FONT lang=3D0 face=3DArial size=3D2=20
FAMILY=3D"SANSSERIF">An easier one than that is =
-<BR><BR>Everyone=20
should have at least a three year LTC plan if the premiums =
would not=20
affect their life style.<BR><BR>People who would have to =
alter their=20
life style or give something up to pay for a three year LTC =
plan=20
should not buy LTC.=20
=
</FONT></FONT></DIV>_______________________________________________=20
LTC-Sales_Discussions mailing list=20
LTC-Sales_Discussions@ltpcalums.com=20
=
http://four.pairlist.net/mailman/listinfo/ltc-sales_discussions ---=20
[This E-mail scanned for viruses by Computer Geeks=20
(www.geeksnet.com)] </BLOCKQUOTE></BLOCKQUOTE></SPAN>
<P></P>
<P>"WorldSecure <nef.com>" made the =
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