JTR specializes exclusively in LTCI. Think of us as a LTCI boutique. We know this product and believe in it.

Three reasons to work with JTR!

1. JTR experts have sold or assisted in the sale of thousands of policies over the years. We have hands on experience. We know what it takes to sell a policy. From plan design through underwriting. We also have many clients receiving benefits and can help you with the claims process.
2. JTR is expert at application processing. We know how to get policies issued! We've placed thousands of policies. We know each carrier's forms, process, underwriting guidelines and more. We can streamline the process for you. And, we monitor each application we submit so that you know the status and can keep your clients informed.
3. JTR offers a unique level of marketing support. We've designed a marketing process and will customize materials for you - fliers, recorded seminars, brochures and more. We'll teach you everything you need to know. We'll even handle the sales and work directly with your clients if that's what you'd prefer.

Our objective is to help you successfully sell LTCI. Take a look at Sales and Marketing Support and see how we make selling LTCI easy for you. We can help you with all facets of LTCI. Because we're experts at retail, wholesale, individual and multi-life discount programs. And, we're licensed throughout the US.

We know the industry and the insurance companies that offer quality products. We're experts at plan design, pre-underwriting consultations and more. Take a look at the Great Companies we represent.

From carrier appointment through plan design, underwriting, application processing right to commissions, JTR is your expert resource. Today, financial advisors have an obligation to advise their clients about LTCI. JTR is your answer to start or expand your LTCI business. And, limit your personal liability.

Think about this. If you work with JTR's experts who design customized plans offered by quality carriers, you have a persistent revenue stream from first-year commission and ongoing renewals. LTCI policies have very high retention rates and revenue continues for the life of the policy or until your client becomes eligible for benefits.

Great Companies

We decided long ago to represent only top-tier LTCI companies. Why? Because no one wants to call a client and inform them of a rate increase.

Consider that 80% of Americans will live to be 65 years old and 70% of us who do will experience a long-term care event. At JTR, we want to be sure that our advisors and clients have plans backed by financially solid companies -- carriers that know LTCI and are committed to the product for the long term. We represent:

• John Hancock Life Insurance Co.
• Genworth Financial Inc. (formerly General Electric Capital Assurance Co.)
• Lincoln Benefit Life Co.
• Lincoln National Life Insurance Co. (MoneyGuard)
• MedAmerica Insurance Co.
• Metropolitan Life Insurance Co.
• And others

For details about each company, click on their name above or select LTCI Companies and learn about financial ratings and product lines.

Commissions

You will earn top commissions with JTR! We pass along full commission and renewal income to you. We do not dip into your earnings for our revenue. We're even open to discussing higher commissions than carrier contracts for high producers. Call us and let's talk about your experience, production and how we can support your LTCI needs.

Sales and Marketing Support

• Training
  We know how complex this product is. So we've developed training modules with you in mind. You can also use these to help your clients understand the basics and options of plan design. They're online and available 24-hours a day. You can train at a time convenient for you and at no cost. All you need is a computer, Web access and browser and audio speakers. Click here to find out more.
• Consumer Education Seminars
  You can also access JTR’s online consumer seminar: Is Long-Term Care Insurance Part of Your Financial Planning Strategy? It's takes the mystery out of long-term care and makes you the LTCI expert.
• Individual Sales
  First things first. We help you with carrier appointments. We've got all the forms. We'll help you fill them out and submit them for you. We know what each state and carrier requires. Which carriers appoint in advance of production and which don't. We'll help you through the maze! Find out more about JT RYAN's Sales Support.
• Multi-Life Discount Program Sales
  We're also experienced in multi-life discount programs for associations and employer groups. We can help you take advantage of this very lucrative market segment. From qualifying your group through education and application processing, we're your expert resource.
• Application Processing
  We're pros. We'll audit your applications and be sure they are complete. With all the different applications and forms, we know what a challenge it is to keep up with carrier requirements and form changes. We'll "scrub" your applications. We'll order medical records when required to speed the process. We'll even advise you when a cover letter should accompany the application.
• Click here for more detail on all our Sales and Marketing Support