[LTC-Sales_Discussions] use of SPIA to fund LTC
Eric Couch
ltc-sales_discussions@ltpcalums.com
Thu, 16 Oct 2003 12:36:12 -0500
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Physician's Mutual www.physiciansbrokerage.com
<http://www.physiciansbrokerage.com>
You don't need a password and you can get forms, run quotes and see the
underwriting guide. They also have solid annuities and offer a whole life
insurance plan.
Experience Life's Best. RITZ-Carlton Qualify: 7/1/03 - 6/30/04
Make it SIMPLE. Make it CLEAR. Make it HAPPEN.
Looking for E&O coverage?? We're giving it away free to our agents! That's
more than a $700 value! Ask for details.
-V. Eric Couch, CSA, CLTC
vecouch@bordenhamman.com
800-492-9190 ofc
214-420-4122 direct line
214-343-3999 fax
Annuity & Long Term Care Marketing
view the current Annuity Spreadsheet online:
www.bordenhamman.com
-----Original Message-----
From: Anne Strusz [mailto:astrusz@smithfrank.com]
Sent: Wednesday, October 15, 2003 5:38 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: RE: [LTC-Sales_Discussions] use of SPIA to fund LTC
Ok for the new comer on the circuit what is SPIAs and PMIC..remember we all
had to start somewhere.....
Anne
-----Original Message-----
From: ltc-sales_discussions-admin@ltpcalums.com
[mailto:ltc-sales_discussions-admin@ltpcalums.com] On Behalf Of David
Whiteside CLTC
Sent: Tuesday, October 14, 2003 7:30 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: Re: [LTC-Sales_Discussions] use of SPIA to fund LTC
Which SPIAs are most competitve for the 10 pay mkt you work in? And, do you
rep PMIC for LTC?
----- Original Message -----
From: Mary <mailto:mary.osborn@comcast.net> Osborn
To: ltc-sales_discussions@ltpcalums.com
<mailto:ltc-sales_discussions@ltpcalums.com>
Sent: Tuesday, October 14, 2003 4:05 PM
Subject: RE: [LTC-Sales_Discussions] use of SPIA to fund LTC
Yes, I have found it be very effective primarily in the 10-pay option
market.
-----Original Message-----
From: ltc-sales_discussions-admin@ltpcalums.com
<mailto:ltc-sales_discussions-admin@ltpcalums.com>
[mailto:ltc-sales_discussions-admin@ltpcalums.com]On Behalf Of robert scott
Sent: Monday, October 13, 2003 8:47 PM
To: ltc-sales_discussions@ltpcalums.com
<mailto:ltc-sales_discussions@ltpcalums.com>
Subject: [LTC-Sales_Discussions] use of SPIA to fund LTC
Has anyone been using SPIA's to fund LTC premiums for clients?
Robert B. Scott, CSA, CEPS
----- Original Message -----
From: David Hensley <mailto:david@assetprotectionnetwork.net>
To: ltc-sales_discussions@ltpcalums.com
<mailto:ltc-sales_discussions@ltpcalums.com>
Sent: Monday, October 13, 2003 4:06 PM
Subject: RE: [LTC-Sales_Discussions] Allianz LTC Product Info/Rate
Comparison
Yes. I was a top producer for GE and Travelers. I was just kidding. I have
also traveled with the LTC Forum and run countless LTCI sales workshops. My
firm is a 47 state LTCI brokerage.
David
-----Original Message-----
From: Kulig, Al [mailto:a034589@allstate.com]
Sent: Monday, October 13, 2003 3:22 PM
To: ltc-sales_discussions@ltpcalums.com
<mailto:ltc-sales_discussions@ltpcalums.com>
Subject: RE: [LTC-Sales_Discussions] Allianz LTC Product Info/Rate
Comparison
It is not so difficult as it may seem. Have you taken Phyliss Shelton's
course followed up by the Harley Gordon Master class for your CLTC?
-----Original Message-----
From: ltc-sales_discussions-admin@ltpcalums.com
[mailto:ltc-sales_discussions-admin@ltpcalums.com]On Behalf Of David Hensley
Sent: Monday, October 13, 2003 1:22 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: RE: [LTC-Sales_Discussions] Allianz LTC Product Info/Rate
Comparison
Hi Robert,
You wouldn't kid me would you?
David
-----Original Message-----
From: Robert Eisenberg [mailto:reisenberg@accuquote.com]
Sent: Monday, October 13, 2003 12:19 PM
To: ltc-sales_discussions@ltpcalums.com
Subject: RE: [LTC-Sales_Discussions] Allianz LTC Product Info/Rate
Comparison
Long term care insurance is the most difficult financial product to sell ...
_______________________________________________ LTC-Sales_Discussions
mailing list LTC-Sales_Discussions@ltpcalums.com
http://four.pairlist.net/mailman/listinfo/ltc-sales_discussions
********************************** The Company reserves the right to review
all e-mail. Your sending of e-mail is consent for the Company to review the
content of your e-mail. Communicating via e-mail does not constitute an
offer of coverage. Eligibility requirements and coverages can vary by state.
Allstate coverages are subject to the policy terms, conditions, and
exclusions detailed in the insurance contract issued at purchase. Quotations
on insurance are provided as estimates and are not an insurance contract.
_______________________________________________ LTC-Sales_Discussions
mailing list LTC-Sales_Discussions@ltpcalums.com
http://four.pairlist.net/mailman/listinfo/ltc-sales_discussions
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<DIV><SPAN class=3D130403417-16102003><FONT face=3DGaramond =
color=3D#0000ff=20
size=3D5>Physician's Mutual <A=20
href=3D"http://www.physiciansbrokerage.com">www.physiciansbrokerage.com<=
/A></FONT></SPAN></DIV>
<DIV><SPAN class=3D130403417-16102003><FONT face=3DGaramond =
color=3D#0000ff size=3D5>You=20
don't need a password and you can get forms, run quotes and see the =
underwriting=20
guide. They also have solid annuities and offer a whole life =
insurance=20
plan.</FONT></SPAN></DIV>
<DIV> </DIV>
<P><FONT face=3DGaramond color=3D#0000ff size=3D4>Experience Life's =
Best.<U><B>=20
RITZ-Carlton</B></U><B></B> </FONT> <FONT face=3DGaramond =
color=3D#ff0000=20
size=3D4>Qualify:</FONT><FONT face=3DGaramond color=3D#0000ff size=3D4> =
7/1/03 -=20
6/30/04</FONT> <BR><FONT face=3DGaramond color=3D#800080>Make it =
SIMPLE. Make=20
it CLEAR. Make it HAPPEN.</FONT><B></B> <BR><B><FONT =
face=3DGaramond=20
color=3D#000080>Looking for E&O coverage??</FONT></B> <FONT =
face=3DGaramond=20
color=3D#000080> We're giving it away</FONT><B> <FONT face=3DGaramond=20
color=3D#000080>free to our agents!</FONT></B><FONT face=3DGaramond=20
color=3D#000080> That's more than a $700 value! Ask for=20
details.</FONT> </P>
<P><FONT face=3DGaramond=20
color=3D#000080> &n=
bsp; =20
-</FONT><B><FONT face=3DGaramond color=3D#000080>V. Eric Couch, CSA,=20
CLTC</FONT></B><FONT face=3DGaramond=20
color=3D#000080> &n=
bsp; &n=
bsp; &n=
bsp; &n=
bsp; &n=
bsp; =20
</FONT><BR><FONT face=3DGaramond=20
color=3D#000080> &n=
bsp; =20
vecouch@bordenhamman.com </FONT><BR><FONT face=3DGaramond=20
color=3D#000080> &n=
bsp; =20
800-492-9190 ofc</FONT> <BR><FONT face=3DGaramond=20
color=3D#000080> &n=
bsp; =20
214-420-4122 direct line</FONT> <BR><FONT face=3DGaramond=20
color=3D#000080> &n=
bsp; =20
214-343-3999 fax</FONT> <BR><FONT face=3DGaramond=20
color=3D#000080> &n=
bsp; =20
Annuity & Long Term Care Marketing</FONT> <BR><FONT face=3DGaramond =
color=3D#000080> &n=
bsp; </=
FONT><B>=20
<FONT face=3DGaramond color=3D#000080>view the current Annuity =
Spreadsheet=20
online:</FONT> <FONT face=3DGaramond =
color=3D#800080>www.bordenhamman.com</FONT></B>=20
</P>
<DIV class=3DOutlookMessageHeader dir=3Dltr align=3Dleft><FONT =
face=3DTahoma=20
size=3D2>-----Original Message-----<BR><B>From:</B> Anne Strusz=20
[mailto:astrusz@smithfrank.com]<BR><B>Sent:</B> Wednesday, October 15, =
2003 5:38=20
PM<BR><B>To:</B> ltc-sales_discussions@ltpcalums.com<BR><B>Subject:</B> =
RE:=20
[LTC-Sales_Discussions] use of SPIA to fund LTC<BR><BR></FONT></DIV>
<DIV class=3DSection1>
<P class=3DMsoNormal><FONT face=3DArial color=3Dnavy size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: Arial">Ok for the =
new comer on=20
the circuit what is SPIAs and PMIC..remember we all had to start=20
somewhere.....</SPAN></FONT></P>
<P class=3DMsoNormal><FONT face=3DArial color=3Dnavy size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: =
Arial">Anne</SPAN></FONT></P>
<P class=3DMsoNormal><FONT face=3DArial color=3Dnavy size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: =
Arial"></SPAN></FONT> </P>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT face=3DTahoma =
size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; FONT-FAMILY: Tahoma">-----Original=20
Message-----<BR><B><SPAN style=3D"FONT-WEIGHT: bold">From:</SPAN></B>=20
ltc-sales_discussions-admin@ltpcalums.com=20
[mailto:ltc-sales_discussions-admin@ltpcalums.com] <B><SPAN=20
style=3D"FONT-WEIGHT: bold">On Behalf Of </SPAN></B>David Whiteside=20
CLTC<BR><B><SPAN style=3D"FONT-WEIGHT: bold">Sent:</SPAN></B> Tuesday, =
October 14,=20
2003 7:30 PM<BR><B><SPAN style=3D"FONT-WEIGHT: bold">To:</SPAN></B>=20
ltc-sales_discussions@ltpcalums.com<BR><B><SPAN=20
style=3D"FONT-WEIGHT: bold">Subject:</SPAN></B> Re: =
[LTC-Sales_Discussions] use of=20
SPIA to fund LTC</SPAN></FONT></P>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT face=3D"Times =
New Roman"=20
size=3D3><SPAN style=3D"FONT-SIZE: 12pt"></SPAN></FONT> </P>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3D"Palatino Linotype"=20
color=3Dblack size=3D4><SPAN=20
style=3D"FONT-SIZE: 13.5pt; COLOR: black; FONT-FAMILY: 'Palatino =
Linotype'">Which=20
SPIAs are most competitve for the 10 pay mkt you work in? And, do =
you rep=20
PMIC for LTC?</SPAN></FONT></P></DIV>
<BLOCKQUOTE=20
style=3D"BORDER-RIGHT: medium none; PADDING-RIGHT: 0in; BORDER-TOP: =
medium none; PADDING-LEFT: 4pt; PADDING-BOTTOM: 0in; MARGIN: 5pt 0in =
5pt 3.75pt; BORDER-LEFT: black 1.5pt solid; PADDING-TOP: 0in; =
BORDER-BOTTOM: medium none">
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT face=3DArial =
color=3Dblack=20
size=3D2><SPAN style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: =
Arial">-----=20
Original Message ----- </SPAN></FONT></P></DIV>
<DIV style=3D"font-color: black">
<P class=3DMsoNormal style=3D"BACKGROUND: #e4e4e4; MARGIN-LEFT: =
0.5in"><B><FONT=20
face=3DArial color=3Dblack size=3D2><SPAN=20
style=3D"FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: black; =
FONT-FAMILY: Arial">From:</SPAN></FONT></B><FONT=20
face=3DArial color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial"> <A=20
title=3Dmary.osborn@comcast.net =
href=3D"mailto:mary.osborn@comcast.net">Mary=20
Osborn</A> </SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><B><FONT =
face=3DArial color=3Dblack=20
size=3D2><SPAN=20
style=3D"FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: black; =
FONT-FAMILY: Arial">To:</SPAN></FONT></B><FONT=20
face=3DArial color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial"> <A=20
title=3Dltc-sales_discussions@ltpcalums.com=20
=
href=3D"mailto:ltc-sales_discussions@ltpcalums.com">ltc-sales_discussion=
s@ltpcalums.com</A>=20
</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><B><FONT face=3DAria=
l color=3Dblack=20
size=3D2><SPAN=20
style=3D"FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: black; =
FONT-FAMILY: Arial">Sent:</SPAN></FONT></B><FONT=20
face=3DArial color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial"> Tuesday, =
October=20
14, 2003 4:05 PM</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><B><FONT =
face=3DArial color=3Dblack=20
size=3D2><SPAN=20
style=3D"FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: black; =
FONT-FAMILY: Arial">Subject:</SPAN></FONT></B><FONT=20
face=3DArial color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial"> RE:=20
[LTC-Sales_Discussions] use of SPIA to fund =
LTC</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3D"Palatino Linotype"=20
color=3Dblack size=3D3><SPAN=20
style=3D"FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 'Palatino =
Linotype'"></SPAN></FONT> </P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT face=3DArial =
color=3Dblue=20
size=3D2><SPAN style=3D"FONT-SIZE: 10pt; COLOR: blue; FONT-FAMILY: =
Arial">Yes, I=20
have found it be very effective primarily in the 10-pay option=20
market.</SPAN></FONT></P></DIV>
<BLOCKQUOTE style=3D"MARGIN-TOP: 5pt; MARGIN-BOTTOM: 5pt; =
MARGIN-RIGHT: 0in">
<P class=3DMsoNormal=20
style=3D"MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: =
0in"><FONT=20
face=3DTahoma color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: =
Tahoma">-----Original=20
Message-----<BR><B><SPAN style=3D"FONT-WEIGHT: =
bold">From:</SPAN></B> <A=20
=
href=3D"mailto:ltc-sales_discussions-admin@ltpcalums.com">ltc-sales_disc=
ussions-admin@ltpcalums.com</A>=20
[mailto:ltc-sales_discussions-admin@ltpcalums.com]<B><SPAN=20
style=3D"FONT-WEIGHT: bold">On Behalf Of </SPAN></B>robert =
scott<BR><B><SPAN=20
style=3D"FONT-WEIGHT: bold">Sent:</SPAN></B> Monday, October 13, =
2003 8:47=20
PM<BR><B><SPAN style=3D"FONT-WEIGHT: bold">To:</SPAN></B> <A=20
=
href=3D"mailto:ltc-sales_discussions@ltpcalums.com">ltc-sales_discussion=
s@ltpcalums.com</A><BR><B><SPAN=20
style=3D"FONT-WEIGHT: bold">Subject:</SPAN></B> =
[LTC-Sales_Discussions] use of=20
SPIA to fund LTC</SPAN></FONT></P>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3DArial color=3Dblack=20
size=3D2><SPAN style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: =
Arial">Has=20
anyone been using SPIA's to fund LTC premiums for=20
clients?</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3DArial color=3Dblack=20
size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial">Robert =
B. Scott,=20
CSA, CEPS</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3D"Palatino Linotype"=20
color=3Dblack size=3D3><SPAN=20
style=3D"FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 'Palatino =
Linotype'"></SPAN></FONT> </P></DIV>
<BLOCKQUOTE=20
style=3D"BORDER-RIGHT: medium none; PADDING-RIGHT: 0in; BORDER-TOP: =
medium none; PADDING-LEFT: 4pt; PADDING-BOTTOM: 0in; MARGIN: 5pt 0in =
5pt 3.75pt; BORDER-LEFT: black 1.5pt solid; PADDING-TOP: 0in; =
BORDER-BOTTOM: medium none">
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3DArial color=3Dblack=20
size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial">----- =
Original=20
Message ----- </SPAN></FONT></P></DIV>
<DIV style=3D"font-color: black">
<P class=3DMsoNormal=20
style=3D"BACKGROUND: #e4e4e4; MARGIN-LEFT: 0.5in"><B><FONT =
face=3DArial=20
color=3Dblack size=3D2><SPAN=20
style=3D"FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: black; =
FONT-FAMILY: Arial">From:</SPAN></FONT></B><FONT=20
face=3DArial color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial"> <A=20
title=3Ddavid@assetprotectionnetwork.net=20
href=3D"mailto:david@assetprotectionnetwork.net">David =
Hensley</A>=20
</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><B><FONT =
face=3DArial=20
color=3Dblack size=3D2><SPAN=20
style=3D"FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: black; =
FONT-FAMILY: Arial">To:</SPAN></FONT></B><FONT=20
face=3DArial color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial"> <A=20
title=3Dltc-sales_discussions@ltpcalums.com=20
=
href=3D"mailto:ltc-sales_discussions@ltpcalums.com">ltc-sales_discussion=
s@ltpcalums.com</A>=20
</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><B><FONT =
face=3DArial=20
color=3Dblack size=3D2><SPAN=20
style=3D"FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: black; =
FONT-FAMILY: Arial">Sent:</SPAN></FONT></B><FONT=20
face=3DArial color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial"> =
Monday, October=20
13, 2003 4:06 PM</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><B><FONT =
face=3DArial=20
color=3Dblack size=3D2><SPAN=20
style=3D"FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: black; =
FONT-FAMILY: Arial">Subject:</SPAN></FONT></B><FONT=20
face=3DArial color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial"> RE:=20
[LTC-Sales_Discussions] Allianz LTC Product Info/Rate=20
Comparison</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT=20
face=3D"Palatino Linotype" color=3Dblack size=3D3><SPAN=20
style=3D"FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 'Palatino =
Linotype'"></SPAN></FONT> </P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3DArial color=3Dblue=20
size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: blue; FONT-FAMILY: =
Arial">Yes. I was=20
a top producer for GE and Travelers. I was just =
kidding. I have=20
also traveled with the LTC Forum and run countless LTCI=20
sales workshops. My firm is a 47 state LTCI=20
brokerage.</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3DArial color=3Dblue=20
size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: blue; FONT-FAMILY: =
Arial"><BR>David</SPAN></FONT></P></DIV>
<BLOCKQUOTE=20
style=3D"MARGIN-TOP: 5pt; MARGIN-BOTTOM: 5pt; MARGIN-RIGHT: 0in">
<P class=3DMsoNormal=20
style=3D"MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: =
0in"><FONT=20
face=3DTahoma color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: =
Tahoma">-----Original=20
Message-----<BR><B><SPAN style=3D"FONT-WEIGHT: =
bold">From:</SPAN></B>=20
Kulig, Al [mailto:a034589@allstate.com]<BR><B><SPAN=20
style=3D"FONT-WEIGHT: bold">Sent:</SPAN></B> Monday, October =
13, 2003 3:22=20
PM<BR><B><SPAN style=3D"FONT-WEIGHT: bold">To:</SPAN></B> <A=20
=
href=3D"mailto:ltc-sales_discussions@ltpcalums.com">ltc-sales_discussion=
s@ltpcalums.com</A><BR><B><SPAN=20
style=3D"FONT-WEIGHT: bold">Subject:</SPAN></B> RE:=20
[LTC-Sales_Discussions] Allianz LTC Product Info/Rate=20
Comparison</SPAN></FONT></P>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3DArial=20
color=3Dblue size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: blue; FONT-FAMILY: Arial">It =
is not so=20
difficult as it may seem. Have you taken Phyliss Shelton's =
course=20
followed up by the Harley Gordon Master class for your=20
CLTC?</SPAN></FONT></P></DIV>
<BLOCKQUOTE style=3D"MARGIN-TOP: 5pt; MARGIN-BOTTOM: 5pt">
<P class=3DMsoNormal=20
style=3D"MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; =
MARGIN-RIGHT: 0in"><FONT=20
face=3DTahoma color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: =
Tahoma">-----Original=20
Message-----<BR><B><SPAN style=3D"FONT-WEIGHT: =
bold">From:</SPAN></B>=20
ltc-sales_discussions-admin@ltpcalums.com=20
[mailto:ltc-sales_discussions-admin@ltpcalums.com]<B><SPAN=20
style=3D"FONT-WEIGHT: bold">On Behalf Of </SPAN></B>David=20
Hensley<BR><B><SPAN style=3D"FONT-WEIGHT: =
bold">Sent:</SPAN></B> Monday,=20
October 13, 2003 1:22 PM<BR><B><SPAN=20
style=3D"FONT-WEIGHT: bold">To:</SPAN></B>=20
ltc-sales_discussions@ltpcalums.com<BR><B><SPAN=20
style=3D"FONT-WEIGHT: bold">Subject:</SPAN></B> RE:=20
[LTC-Sales_Discussions] Allianz LTC Product Info/Rate=20
Comparison</SPAN></FONT></P>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3DArial=20
color=3Dblue size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: blue; FONT-FAMILY: Arial">Hi =
Robert,</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT=20
face=3D"Palatino Linotype" color=3Dblack size=3D3><SPAN=20
style=3D"FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: =
'Palatino Linotype'"></SPAN></FONT> </P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3DArial=20
color=3Dblue size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: blue; FONT-FAMILY: =
Arial">You wouldn't=20
kid me would you?</SPAN></FONT></P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT=20
face=3D"Palatino Linotype" color=3Dblack size=3D3><SPAN=20
style=3D"FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: =
'Palatino Linotype'"></SPAN></FONT> </P></DIV>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT =
face=3DArial=20
color=3Dblue size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: blue; FONT-FAMILY: =
Arial">David</SPAN></FONT></P></DIV>
<BLOCKQUOTE=20
style=3D"MARGIN-TOP: 5pt; MARGIN-BOTTOM: 5pt; MARGIN-RIGHT: =
0in">
<P class=3DMsoNormal=20
style=3D"MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; =
MARGIN-RIGHT: 0in"><FONT=20
face=3DTahoma color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: =
Tahoma">-----Original=20
Message-----<BR><B><SPAN style=3D"FONT-WEIGHT: =
bold">From:</SPAN></B>=20
Robert Eisenberg =
[mailto:reisenberg@accuquote.com]<BR><B><SPAN=20
style=3D"FONT-WEIGHT: bold">Sent:</SPAN></B> Monday, =
October 13, 2003=20
12:19 PM<BR><B><SPAN style=3D"FONT-WEIGHT: =
bold">To:</SPAN></B>=20
ltc-sales_discussions@ltpcalums.com<BR><B><SPAN=20
style=3D"FONT-WEIGHT: bold">Subject:</SPAN></B> RE:=20
[LTC-Sales_Discussions] Allianz LTC Product Info/Rate=20
Comparison</SPAN></FONT></P>
<DIV>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT=20
face=3D"Palatino Linotype" color=3Dblack size=3D2><SPAN=20
style=3D"FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: =
'Palatino Linotype'">Long=20
term care insurance is the most difficult financial product =
to sell=20
...</SPAN></FONT></P></DIV></BLOCKQUOTE>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT=20
face=3D"Palatino Linotype" color=3Dblack size=3D3><SPAN=20
style=3D"FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: =
'Palatino Linotype'">_______________________________________________=20
LTC-Sales_Discussions mailing list =
LTC-Sales_Discussions@ltpcalums.com=20
=
http://four.pairlist.net/mailman/listinfo/ltc-sales_discussions=20
</SPAN></FONT></P></BLOCKQUOTE>
<P style=3D"MARGIN-LEFT: 0.5in"><B><FONT face=3D"Palatino =
Linotype"=20
color=3Dblack size=3D3><SPAN=20
style=3D"FONT-WEIGHT: bold; FONT-SIZE: 12pt; COLOR: black; =
FONT-FAMILY: 'Palatino Linotype'">**********************************=20
The Company reserves the right to review all e-mail. Your =
sending of=20
e-mail is consent for the Company to review the content of your =
e-mail.=20
Communicating via e-mail does not constitute an offer of =
coverage.=20
Eligibility requirements and coverages can vary by state. =
Allstate=20
coverages are subject to the policy terms, conditions, and =
exclusions=20
detailed in the insurance contract issued at purchase. =
Quotations on=20
insurance are provided as estimates and are not an insurance=20
contract.</SPAN></FONT></B></P></BLOCKQUOTE>
<P class=3DMsoNormal style=3D"MARGIN-LEFT: 0.5in"><FONT=20
face=3D"Palatino Linotype" color=3Dblack size=3D3><SPAN=20
style=3D"FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 'Palatino =
Linotype'">_______________________________________________=20
LTC-Sales_Discussions mailing list =
LTC-Sales_Discussions@ltpcalums.com=20
http://four.pairlist.net/mailman/listinfo/ltc-sales_discussions=20
=
</SPAN></FONT></P></BLOCKQUOTE></BLOCKQUOTE></BLOCKQUOTE></DIV></BODY></=
HTML>
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