You have all seen a great deal of conversation about hybrid or linked life or annuity/long term care policies.  There are an increasing number of options available.  They appear to offer two solutions for the price of one.  But in most cases, their compromises water down either one or both of the client’s objectives.  Having a standalone long term care insurance policy…

Read More
It used to be true that when an agent received a Long-Term Care insurance lead, it could be converted into an application in a fairly short period of time.  I recall that we had a career agent, a very high producer, who believed that a lead had a life cycle of about ten days.  If he could not get a hold of the prospect within ten days, he considered the lead to be of no…

Read More
As we approach yet another November Long Term Care Awareness Month, it’s time to reflect on how we can do a better job as insurance agents and financial advisors. The U.S. Congress declared this annual campaign to urge people to recognize and plan for the potential risks and costs associated with long term care.  The Congress wanted to encourage citizens, insurance agents,…

Read More
We, at Northstar, run a passionate and ethical brokerage. One of the hidden values in affiliating with us is that we actively support groups that protect and advance goals that help your business as well as ours.  We not only support them as a brokerage, but as representatives of the hundreds of agents who put their trust in us. We want to take this opportunity to tell you…

Read More
The California Partnership for Long-Term Care appears about to die, but change is on the way. The question is, when?  It’s no secret that the Partnership has had a huge decrease in the number of policies placed, actually a whopping 95 % decrease from its peak. The Partnership statistics for the last fiscal year available, the four quarters ending in the second quarter of…

Read More
1 2 3 9