Webinar – Mortgage Protection One-Up

April 29, 2019

Buying a home is one of the more monumental points in someone’s life, and it results in a lot of time spent thinking about personal finances. While many end consumers are aware of the need for Life insurance, many people are not aware of the existence of personal Disability and Critical Illness policies.

Assurity, a well-known company for Life, Disability and Critical Illness insurance, has designed a bundled product for all-in-one coverage on a single application. This product allows the consumer to purchase 1, 2, or all 3 lines with one application, paid by one bill and complete underwriting once! It greatly simplifies the financial conversation when a prospect comes to you and is seeking Life insurance.


  • Accelerated underwriting as fast as instant issue
  • Protection from Death, Disability, and Critical illness on one policy
  • Simplified underwriting through tele-application or e-application
  • Sell to the need–not to the budget–and place more cases
  • See a case study and learn how simple and affordable this bundled protection can be

Tuesday, May 14, 2019     10:00am to 11:00am

Full Details

Medicaid Squeeze Hurts Nursing Home Quality: Witnesses

April 29, 2019

By Maria Wood

Low Medicaid reimbursement rates for nursing homes are hurting the quality of care, by keeping operators from offering high enough wages to attract and keep good workers, long-term care (LTC) experts told lawmakers at a recent Senate hearing.

The squeeze can lead to pressure on the quality of care even for private-pay patients, witnesses said at the hearing, which was organized by the Senate Finance Committee.

Sen. Chuck Grassley, R-Iowa, the chairman of the committee, kicked off the hearing by noting that about one-third of residents in federally funded nursing facilities suffer harm.

That roughly the same percentage as suffered harm in federally funded nursing facilities two decades ago, Grassley said.

Dr. David Grabowski, a professor at Harvard Medical School, testified that the facilities highly dependent on Medicaid are the ones most often cited for neglect and poor quality of care, especially in rural areas.

Full Article


‘Generation Alpha’ Babies Arrive With Caregiving Obligations

April 18, 2019

By Allison Bell

Maybe one place to find prospects who need long-term care planning for their parents is… cribs.

The children in the generation born starting around 2012 may not yet have a widely accepted generational name, or many permanent teeth, but may have a job already penciled in: providing financial support for their Millennial parents.

About 47% of Millennial caregivers who have children, or plan to have children, say they expect those children to help pay for their long-term care, according to survey results released recently by Northwestern Mutual.

Full Article

LTCI Panel

April 11, 2019
What is your outlook for the stand-alone LTCI market? In what market segments are you seeing sales activity and/or optimism?
The stand-alone LTCI market will continue to be a major part of the LTCI solution, with over 50 percent of the present value of the long term care premiums on new policies being generated by stand-alone policies, and almost all of the rest being generated by the hybrids where most of the premium is actually life insurance premium. With the stand-alone LTCI new business premiums now quite stable and the future rate increase risk on those new policies minimal, I expect the new business volume for stand-alone LTCI to start increasing, especially among those carriers involved in offering tax advantaged, benefit advantaged, or worksite solutions.
Full Article

Webinar – LTCi Linked Versus Traditional

April 9, 2019

The LTC/Life Insurance marketplaces are changing rapidly. There are new innovations allowing clients to buy coverage they are guaranteed to get a benefit from, and it is also the fastest growing market segment in our industry!

Join Blair Farwell, President of Resource Brokerage, along with LTCi specialist Ron Cohen and Life Specialist Tom Merrion for a comprehensive overview of the markets and to alleviate confusion on the different types, uses, and coverages available to cover the LTCi exposure.


  • Exciting new Linked Benefit options that are available
  • The benefits of traditional LTC, and the perceived pitfalls
  • Identify ideal prospects who could benefit from each of these plans, and how to design a case for them
  • How to cover multiple needs under one Umbrella product
  • Case design insights to make sure you are most accurately tailoring the plan for your clients’ greatest LTCi concerns and budgets

Thursday, May 9, 2019     10:00am to 11:00am CDT

Full Details

Northwestern Mutual Study: Caring For Aging Parents Is Not A Family Affair

April 4, 2019

MILWAUKEE, April 3, 2019 /PRNewswire/

For most families, caring for mom or dad as they age is not a family effort.  According to new data from Northwestern Mutual’s latest C.A.R.E. Study, the responsibility most likely falls on the shoulders of one sibling, rather than being shared among all the children.

Findings reveal that two in five caregivers are caring for or have cared for a parent and, while the majority (83%) have siblings, only one in 10 say siblings equally share responsibilities as a team. Rather, 40% say their siblings don’t assist in caring for their parent at all, and an additional 41% indicate that while siblings offer some help, they themselves are the primary caregiver.

“Families are fundamentally changing in ways that impact how they’re able to care for aging parents,” says Dave Simbro, senior vice president, risk products, Northwestern Mutual.

Full Article

As Millennials grow, so does their need for income protection

March 26, 2019

Millennials are slowly taking over the workforce.

Even though unfair stereotypes have deemed them the “lazy” generation, nearly 56 million Millennials are working or are looking for work. As the generation that makes up the largest percentage of the current workforce, Millennials are beginning to accrue savings, settle into their careers and are even making their way to the top positions in their companies.

But climbing to the top of the food chain isn’t the only thing Millennials are doing. As many Millennials attain greater professional achievements and grow their incomes, they are also incurring financial commitments and starting families.

Full Article