[LTC-Sales_Discussions] Help
Harris Insurance
ltc-sales_discussions@ltpcalums.com
Thu, 30 Oct 2003 11:30:48 -0600
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Hi Denise,thank you for your reply and you are right.It is still a great
solution for the right problem
Jerry
-----Original Message-----
From: ltc-sales_discussions-admin@ltpcalums.com
[mailto:ltc-sales_discussions-admin@ltpcalums.com]On Behalf Of Denise R.
Molohon
Sent: Wednesday, October 29, 2003 2:10 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: RE: [LTC-Sales_Discussions] Help
Jerry:
Yes, I've heard other agents with the same situation. And you're right,
they are starting to do more with telephone interviews from what I've heard.
Still, though, it's a great product for a lot of our "uninsureds". However,
it would have been nice if they'd informed you about the interviewing
process prior for you to have been more prepared.
Denise
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From: ltc-sales_discussions-admin@ltpcalums.com
[mailto:ltc-sales_discussions-admin@ltpcalums.com] On Behalf Of Jack Ramsey
Sent: Wednesday, October 29, 2003 1:51 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: Re: [LTC-Sales_Discussions] Help
Is a Life License the only license required to sell this? Thanks, Jack
Ramsey
----- Original Message -----
From: Harris Insurance
To: ltc-sales_discussions@ltpcalums.com
Sent: Wednesday, October 29, 2003 11:00 AM
Subject: RE: [LTC-Sales_Discussions] Help
Denise and Silvio,
I agree that Golden Rule's Annuity Care might be an excellant choice.
Just a word of caution!! GR does a telephone interview. I submitted a case a
month ago and had it turned down because the proposed annuitant told the
interviewer that she scheduled a colonoscopy and an endoscope. I was rather
stunned because there is nothing in the producers' guide telling me about a
telephoe interview being done. I am certainly accustomed to telephone
interviews,however I felt somewhat blindsided.
Jerry Harris,LUTCF,CSA,CLTC
-----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 3:13 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: RE: [LTC-Sales_Discussions] Help
Importance: High
Check out her conditions against Golden Rule's Annuity Care product.
It only has 7 health questions and is appropriate for most "uninsurable"
LTCI clients. Make sure you have your client consider purchasing the rider
that offers a choice between an additional 3 years of coverage OR Lifetime
benefits.
D. Molohon, CSA, LTCP
Long Term Care Benefits
dmolohon@indy.rr.com
-----Original Message-----
From: ltc-sales_discussions-admin@ltpcalums.com
[mailto:ltc-sales_discussions-admin@ltpcalums.com]On Behalf Of pachacuti
Sent: Tuesday, October 28, 2003 1:10 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: [LTC-Sales_Discussions] Help
Can anyone out there recommend a Life insurance with a strong LTC
provisions in it for home care? Client is uninsurable for stand alone LTC
and lives in CA.
Thank you,
SP Financial & Co.
Silvio Pachacuti, CLTC, CSA
Toll Free: 800.249.9963
Tel: 818.243.9311
Fax: 818.243.1311
Insurance, Financial & Advanced Retirement Planning Solutions
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<DIV><SPAN class=3D180292817-30102003><FONT face=3DArial color=3D#0000ff =
size=3D2>Hi=20
Denise,thank you for your reply and you are right.It is still a great =
solution=20
for the right problem</FONT></SPAN></DIV>
<DIV><SPAN class=3D180292817-30102003><FONT face=3DArial color=3D#0000ff =
size=3D2>Jerry</FONT></SPAN></DIV>
<BLOCKQUOTE dir=3Dltr=20
style=3D"PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #0000ff 2px =
solid; MARGIN-RIGHT: 0px">
<DIV class=3DOutlookMessageHeader><FONT face=3D"Times New Roman"=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</B> =
Denise=20
R. Molohon<BR><B>Sent:</B> Wednesday, October 29, 2003 2:10 =
PM<BR><B>To:</B>=20
ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</B> RE:=20
[LTC-Sales_Discussions] Help<BR><BR></FONT></DIV>
<DIV dir=3Dltr align=3Dleft><SPAN class=3D754340720-29102003><FONT =
face=3DArial=20
color=3D#0000ff size=3D2>Jerry:</FONT></SPAN></DIV>
<DIV dir=3Dltr align=3Dleft><SPAN class=3D754340720-29102003><FONT =
face=3DArial=20
color=3D#0000ff size=3D2></FONT></SPAN> </DIV>
<DIV dir=3Dltr align=3Dleft><SPAN class=3D754340720-29102003><FONT =
face=3DArial=20
color=3D#0000ff size=3D2>Yes, I've heard other agents with the same=20
situation. And you're right, they are starting to do more with =
telephone=20
interviews from what I've heard. Still, though, it's a great =
product for=20
a lot of our "uninsureds". However, it would have been nice if =
they'd=20
informed you about the interviewing process prior for you to have been =
more=20
prepared. </FONT></SPAN></DIV>
<DIV dir=3Dltr align=3Dleft><SPAN class=3D754340720-29102003><FONT =
face=3DArial=20
color=3D#0000ff size=3D2></FONT></SPAN> </DIV>
<DIV dir=3Dltr align=3Dleft><SPAN class=3D754340720-29102003><FONT =
face=3DArial=20
color=3D#0000ff size=3D2>Denise</FONT></SPAN></DIV><BR>
<DIV class=3DOutlookMessageHeader lang=3Den-us dir=3Dltr align=3Dleft>
<HR tabIndex=3D-1>
<FONT face=3DTahoma size=3D2><B>From:</B>=20
ltc-sales_discussions-admin@ltpcalums.com=20
[mailto:ltc-sales_discussions-admin@ltpcalums.com] <B>On Behalf Of =
</B>Jack=20
Ramsey<BR><B>Sent:</B> Wednesday, October 29, 2003 1:51 =
PM<BR><B>To:</B>=20
ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</B> Re:=20
[LTC-Sales_Discussions] Help<BR></FONT><BR></DIV>
<DIV></DIV>
<DIV><FONT face=3DArial size=3D2>Is a Life License the only license =
required to=20
sell this? Thanks, Jack Ramsey</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=3Dharrisinsurance@nts-online.net=20
href=3D"mailto:harrisinsurance@nts-online.net">Harris Insurance</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_discussions=
@ltpcalums.com</A>=20
</DIV>
<DIV style=3D"FONT: 10pt arial"><B>Sent:</B> Wednesday, October 29, =
2003 11:00=20
AM</DIV>
<DIV style=3D"FONT: 10pt arial"><B>Subject:</B> RE: =
[LTC-Sales_Discussions]=20
Help</DIV>
<DIV><BR></DIV>
<DIV><SPAN class=3D780022816-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Denise and Silvio,</FONT></SPAN></DIV>
<DIV><SPAN class=3D780022816-29102003><FONT face=3DArial =
color=3D#0000ff size=3D2>I=20
agree that Golden Rule's Annuity Care might be an excellant choice. =
Just a=20
word of caution!! GR does a telephone interview. I submitted a case =
a month=20
ago and had it turned down because the proposed annuitant told the=20
interviewer that she scheduled a colonoscopy and an endoscope. I was =
rather=20
stunned because there is nothing in the producers' guide telling me =
about a=20
telephoe interview being done. I am certainly accustomed to =
telephone=20
interviews,however I felt somewhat =
blindsided. </FONT></SPAN></DIV>
<DIV><SPAN class=3D780022816-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D780022816-29102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Jerry Harris,LUTCF,CSA,CLTC =
</FONT></SPAN></DIV>
<BLOCKQUOTE dir=3Dltr=20
style=3D"PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #0000ff =
2px solid; MARGIN-RIGHT: 0px">
<DIV class=3DOutlookMessageHeader><FONT face=3D"Times New Roman"=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</B>=20
Denise R. Molohon<BR><B>Sent:</B> Tuesday, October 28, 2003 3:13=20
PM<BR><B>To:</B> =
ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</B>=20
RE: [LTC-Sales_Discussions] Help<BR><B>Importance:</B>=20
High<BR><BR></FONT></DIV>
<DIV><SPAN class=3D497211121-28102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Check out her conditions against Golden Rule's Annuity =
Care=20
product. It only has 7 health questions and is appropriate =
for most=20
"uninsurable" LTCI clients. Make sure you have your client =
consider=20
purchasing the rider that offers a choice between an additional 3 =
years of=20
coverage OR Lifetime benefits.</FONT></SPAN></DIV>
<DIV><SPAN class=3D497211121-28102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2></FONT></SPAN> </DIV>
<DIV><SPAN class=3D497211121-28102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>D. Molohon, CSA, LTCP</FONT></SPAN></DIV>
<DIV><SPAN class=3D497211121-28102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2>Long Term Care Benefits</FONT></SPAN></DIV>
<DIV><SPAN class=3D497211121-28102003><FONT face=3DArial =
color=3D#0000ff=20
size=3D2><A=20
=
href=3D"mailto:dmolohon@indy.rr.com">dmolohon@indy.rr.com</A></FONT></SPA=
N></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>pachacuti<BR><B>Sent:</B> Tuesday, October 28, 2003 1:10=20
PM<BR><B>To:</B> =
ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</B>=20
[LTC-Sales_Discussions] Help<BR><BR></FONT></DIV>
<DIV class=3DSection1>
<P class=3DMsoNormal><FONT face=3DArial size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; FONT-FAMILY: Arial">Can anyone out =
there=20
recommend a Life insurance with a strong LTC provisions in it =
for home=20
care? <SPAN style=3D"mso-spacerun: yes"> </SPAN>Client is =
uninsurable=20
for stand alone LTC and lives in CA. =
<o:p></o:p></SPAN></FONT></P>
<P class=3DMsoNormal><FONT face=3DArial size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; FONT-FAMILY: =
Arial"><o:p> </o:p></SPAN></FONT></P>
<P class=3DMsoNormal><FONT face=3DArial size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-no-proof: =
yes">Thank=20
you,</SPAN></FONT><SPAN style=3D"mso-no-proof: =
yes"><o:p></o:p></SPAN></P>
<P class=3DMsoNormal><FONT face=3D"Times New Roman" =
size=3D3><SPAN=20
style=3D"FONT-SIZE: 12pt; mso-no-proof: =
yes"> <o:p></o:p></SPAN></FONT></P>
<P class=3DMsoNormal><FONT face=3D"Arial Black" size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; FONT-FAMILY: 'Arial Black'; =
mso-no-proof: yes">SP=20
Financial & </SPAN></FONT><st1:place><FONT face=3D"Arial =
Black"=20
size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; FONT-FAMILY: 'Arial Black'; =
mso-no-proof: yes">Co.</SPAN></FONT></st1:place><SPAN=20
style=3D"mso-no-proof: yes"><o:p></o:p></SPAN></P>
<P class=3DMsoNormal><FONT face=3DArial size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-no-proof: =
yes">Silvio=20
Pachacuti, CLTC, CSA</SPAN></FONT><SPAN=20
style=3D"mso-no-proof: yes"><o:p></o:p></SPAN></P>
<P class=3DMsoNormal><FONT face=3DArial size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-no-proof: =
yes">Toll=20
Free: 800.249.9963</SPAN></FONT><SPAN=20
style=3D"mso-no-proof: yes"><o:p></o:p></SPAN></P>
<P class=3DMsoNormal><FONT face=3DArial size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-no-proof: =
yes">Tel:=20
818.243.9311 </SPAN></FONT><SPAN=20
style=3D"mso-no-proof: yes"><o:p></o:p></SPAN></P>
<P class=3DMsoNormal><FONT face=3DArial size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-no-proof: =
yes">Fax:=20
818.243.1311</SPAN></FONT><SPAN=20
style=3D"mso-no-proof: yes"><o:p></o:p></SPAN></P>
<P class=3DMsoNormal><FONT face=3D"Times New Roman" =
size=3D3><SPAN=20
style=3D"FONT-SIZE: 12pt; mso-no-proof: =
yes"> <o:p></o:p></SPAN></FONT></P>
<P class=3DMsoNormal><STRONG><B><FONT face=3DArial color=3Dblue =
size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: blue; FONT-FAMILY: Arial; =
mso-no-proof: yes">Insurance,=20
Financial & Advanced Retirement Planning=20
Solutions</SPAN></FONT></B></STRONG><o:p></o:p></P>
<P class=3DMsoNormal><FONT face=3D"Times New Roman" =
size=3D3><SPAN=20
style=3D"FONT-SIZE: =
12pt"><o:p> </o:p></SPAN></FONT></P></DIV></BLOCKQUOTE></BLOCKQUOTE>=
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