[LTC-Sales_Discussions] Allianz LTC Product Info/RateComparison

[robert scott]

One note to be aware of is that Med America has had a large reduction of new
policies being sold by their licensed agents.  I would think that  lower
rates normally bring in more business.  Does anyone know why their business
is down?  Could this lead to rate increases in the future with smaller pool
of insured?

Robert B. Scott


-- Original Message ----- 
From: "Kathleen Howard" <krhoward@charter.net>
To: <ltc-sales_discussions@ltpcalums.com>
Sent: Tuesday, October 14, 2003 6:17 PM
Subject: Re: [LTC-Sales_Discussions] Allianz LTC Product Info/RateComparison


> MedAmerica is owned by Blue Cross/Blue Shield. It is an A
> rated company, with millions in assets rater than
> billions. It is also known as MedAmerica/Finger Lakes. Has
> a good policy and premiums are below Met, Pru, Galic, GE,
> JH. for older (70's) people. Haven't quoted younger. Has
> good plan benefits. Has never had a rate increase but
> that's not promising anything since it is underpricing
> these other companies. Hope that helps. Go on line to
> www.MedAmerica.com for more.   Kathy Howard
>
>
>
> On Tue, 14 Oct 2003 08:22:51 -0700 (PDT)
>   jeffrey milrad <snarf5240@yahoo.com> wrote:
> >who is med america. are they availalbe in flroida.  i
> >never heard of this company for long term care before. is
> >it indemnity, reimbursement or a pool of money.  thanks
> >jeffMilrad
> >
> >David Hensley <david@assetprotectionnetwork.net>
> >wrote:Has anyone reviewed and looked at the pricing on
> >the MedAmerica Simplicty product?  This is the new
> >product with cash benefits and no exclusions for
> >receiving benefits.
> >
> >David
> >-----Original Message-----
> >From: bjs122@earthlink.net [mailto:bjs122@earthlink.net]
> >Sent: Monday, October 13, 2003 10:33 AM
> >To: ltc-sales_discussions@ltpcalums.com
> >Subject: Re: [LTC-Sales_Discussions] Allianz LTC Product
> >Info/RateComparison
> >
> >
> >Here a comparison I just did recently - Allianz put out a
> >flyer with these parameters and someone asked me to
> >compare. Allianz did not include LBL in their
> >comparison:.
> >Couple 65 & 63, best rate, $100 per day, 90-day wait,
> >Compound COLA...
> >
> >  Lifetime TQ LBL:
> >                                  $3219.78
> >
> >Lifetime Allianz:
> >                                   $3573.56
> >
> >  5 year TQ LBL (dual pool)
> >                      $2897.78
> >
> >5 year Allianz (single pool)
> >                     $2641.09
> >
> >  The Allianz plan is reimbursement, all TQ. Also, When
> >you purchase less than lifetime, LBL has 2 pools. So
> >their 5 year plan is really 10 years of coverage , with a
> >Restoration Benefit to boot! I think those numbers are
> >very favorable.
> >
> >Barbara
> >
> >
> >
> >-----Original Message-----
> >From: Rakmlentz@aol.com
> >Sent: Oct 11, 2003 9:12 AM
> >To: ltc-sales_discussions@ltpcalums.com
> >Subject: Re: [LTC-Sales_Discussions] Allianz LTC Product
> >Info/Rate Comparison
> >
> >
> >BJS,
> >
> >I have software for 10 companies plus LTC Plus. I have
> >not found LBL to be competitive with Allianz Generation
> >Protector for healthy couples of any age. This is
> >especially true when you consider the benefits Allainz
> >offers versus what LBL offers.
> >
> >Pax et Bonum,
> >
> >Rick Lentz
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