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. Our training modules include:

• The Basics of Plan Design
  This tutorial defines the basic components of long-term care insurance plans including Benefit Amount, Benefit Period, Elimination Period and more.
  
  
• Important Options of Plan Design
  Learn about Inflation Protection, Shared Care, Return of Premium, Indemnity and Reimbursement claims payment, and more.
  
  
• The Seminar Marketing Model
  Here is a marketing model and step-by-step process to help financial advisors develop their long-term care insurance business. Components of the Sales and Marketing Kit are reviewed.
  

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. It covers the following topics in detail:

• What is long-term care?
• How much does it cost?
• What’s my risk of needing it?
• Should you consider self-insuring?
• Should you consider long-term care insurance?
• How much does insurance cost?
• What's important in a policy?

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!

The initial LTCI discussion with your client is critical. We'll help you with each step in the Marketing and Sales Process including key underwriting questions to determine insurability. Nothing's worse than talking up the need for LTCI and not being able to deliver because the client is uninsurable. We'll assist with pre-underwriting consultations.

JTR excels at plan design. We've developed A Road Map to Plan Design to help you gather the details needed to design a meaningful plan for your client. It's simple and direct and will save you time. We'll offer you comparisons and provide the information you need to position each plan.

No two carriers' illustrations are alike. To easily compare plans and premiums, JTR provides a customized Long-Term Care Insurance Plan and Premium Comparison Chart complete with a legend that defines each entry. It simplifies the analysis and saves you time.

JTR offers advisors two Sales Support Tracks:

• Track One: We make the sale with your help. With the odds that one in two of us will need long-term care, financial advisors know they need to discuss LTCI with clients. But it's a complex product and many don't want to become expert in this product.
  
  We can help! We'll handle the LTCI transaction for you. We're experienced and can augment your product offerings. We've developed a simple process to be your LTCI department. Call us for details!
• Track Two: You make the sale with our help. We know that some advisors aren't comfortable introducing clients to a licensed producer. Remember, we focus exclusively in LTCI and are not selling any other products. We're partnering, not competing!
  
  We will work with you on every step in the process to be sure that you are prepared for each client call or meeting. We'll help you become an LTCI expert in no time! Call us for details!

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.