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Archives for April 2019

Why You Want to Work With An LTCi Specialist Like Me

April 15, 2019 by Honey Leveen Leave a Comment

LTCi specialistMarc Glickman is a highly respected long-term care insurance (LTCi) actuary. Marc is also a good friend who keeps me updated on the numbers side of our business. He recently conducted an informal survey of active producers in the industry, with some very interesting results about working with a LTCi Specialist like me.

Insurance Generalists, unlike me, only turn about five percent of their quotes for LTCi coverage into applications. The rate for LTCi Specialists like me is about 25%. This tells me Generalists may not know how to describe and prescribe LTCi well.

And only 60% of Generalist-submitted applications actually become issued policies. LTCi specialists (like me!) get about 80% of client applications approved. My own success rate is higher than 80%.

Not surprisingly, specialists have the training to understand and respond to client needs in this niche market. They (We) have years of practice and experience in successfully submitting applications for our clients.

You Can Rely on Your LTCi Specialist

Marc reports that LTCi specialists can be at least five times more effective at getting clients coverage.

We LTCi specialists also have more products to choose from. We have the experience to design the ideal, customized solution. This creates highly informed, confident, and satisfied clients.

When you’re ready to review your own options, click here to request a free, no-obligation quote for long-term care insurance.

Filed Under: Helpful Information About LTC, I'll Just Self-Insure, Information About LTC, Testimonials

The LTCi Industry Is Alive, Well, and Kicking! Industry Update, 2019

April 8, 2019 by Honey Leveen Leave a Comment

Honey at the LTCI Conference
Honey at the ILTCI Conference, March 2019

It’s April, so if you’re a follower of this blog, you’ll know that I’ve recently returned from the Annual Intercompany Long Term Care Insurance conference. It’s the largest LTCi conference in the world. This year’s theme was “Imagine the Possibilities” and it did not disappoint.

LTCi Conference Highlights

The sessions provided fantastic learning opportunities about all the new, expanded options now available to support our clients through their later years.

Throughout the event, I mingled with about 1,000 actuaries, claims people, insurance regulators, marketing colleagues, and top management. I learned a lot, caught up with colleagues, and had fun. It is so important to spend time with my collaborative partners and industry experts to share experiences, creative solutions and outlooks.

I am happy to report that the LTC insurance industry is alive & kicking and in solid financial condition. LTC sales have increased this past year. Why shouldn’t they? The need for long-term care is not going away any time soon!

The good news is that the public is learning to recognize the need for this coverage and actually taking action to plan for their future financial needs. We now have more products and choices available, making it easier to find helpful solutions for more people.

There is still no substitute for the dignity, choices, grace, security, and access only LTC protection provides!

Are you ready to take action for your future or for a loved one? Click here to receive your free, no-obligation quote for long-term care insurance coverage. The time is NOW.

Filed Under: Uncategorized

The Best Surprise is What CCRC’s Don’t Pitch In Sales Presentations

April 3, 2019 by Honey Leveen 6 Comments

Social capitalJim and I have now lived in Shell Point Retirement Community (SPRC) a little over a month. Shell Point is a CCRC (Continuing Care Retirement Community).

I am still working, so please do not hesitate to call me for any help you may need or with questions you may have!

This first month flew by in a dizzying flash, as you can imagine. Our new home still needs work, but happily, we’re on the tail end of settling in and I can resume blogging.

This was an exceptionally well-thought-out move. I have researched and understood the complete long-term care continuum for the past thirty years. Not only has it been my job — it’s been my passion.

The warm welcome and continued staff support we receive has been extraordinary. So much so, in fact, that it deserves a separate blog post, so stay tuned.

It feels absolutely liberating to have downsized! I highly recommend it. Now we own our stuff, our stuff doesn’t own us.

But this post isn’t about the exceptional “resident first” employee culture they have here, or the huge merits of downsizing.

The inspiration for this piece, what they don’t fully describe during sales presentations, is the unexpected impact of increased Social Capital.

The Value of Social Capital

I anticipated that our sense of well-being and overall happiness would increase when we got here, but I never could have imagined by how much. Now I know a lot of the reason why: it’s the increased Social Capital that is at the core of this particular CCRC.

My discovery of Social Capital led to Robert D. Putnam’s acclaimed book “Bowling Alone“. Mr. Putnam’s research documents how the decline of social capital since 1950 has led to more divorce, anxiety, suicide, cynicism, resignation, “compartmentalized” belief systems and lives, distrust, and depression.

In his blog, noted therapist Joe Whitcomb describes the decline of social capital this way: “Today, society and people are more isolated, alienated and disconnected than ever before in all of history… We are more globally connected by technology but even more alone.”

While living in Houston, I knew hundreds, if not thousands of people. It was a lot of fun to walk into Rotary, be recognized and feel loved. But this alone is not all that’s needed for feeling increased security and belonging.

We had a beautiful home for eighteen years, yet we rarely interacted with our neighbors. I always found this troubling. They had their own obligation-laden, busy lives and concerns, and so did we. We usually just smiled and waved as we drove past in our “hermetically sealed” cars. We didn’t know much about each other’s lives even though we lived a few feet apart.

Howdy, Neighbor!

In my new community, people walk by all day long. We often stop and chat, or at least smile and greet every passerby. The post office, salon, fitness center, medical center, and restaurants are all within an easy 3-5 minute walk. Walking gets us out where we see, greet and socialize with others, truly connecting with our neighbors.

It is not necessary to share belief systems or have much in common with neighbors to achieve increased Social Capital, a sense of connection, the feeling that you matter. Even the shortest of social exchanges gives me a happiness “ping” that feels like an endorphin release.

24/7 healthcare, enriching activities, and an engaging lifestyle are available here. But maybe the largest “plus” (and our greatest surprise) is the increased Social Capital.  This affirms that our shared human need is to create peaceful, joyful homes and community. This is easily achieved by developing this all-important social capital.

Are you wondering if you can afford this upgrade to your own quality of living? Click here to receive your own complimentary, no-obligation quote for long-term care insurance coverage.

 

 

 

Filed Under: Correcting Ignorant Public Figures, Denial, Elephant in the Room, Information About LTC, The Magic of owning long-term care insurance Tagged With: CCRC's, Shell Point Retirement Community, Social Capital

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Phone: 713-988-4671
Fax: 281-829-7177

Email: honey@honeyleveen.com

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Testimonials

Open Quotation Mark"Honey - Whenever I need a clarification regarding our “LTC” you are “Johnny on the spot” responding in a very prompt manner, reassuring me, informing me in a concise way, patient with me as I massage the understanding in my own words. Your knowledge is current and expressed with confidence, offered in your conscientious and upbeat personality. Quotation Mark ClosedIt is a pleasure to work with you. Thank you for your expertise." ~ Nancy Damon, Houston, TX
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Honey Leveen, LUTCF, CLTC, LTCP
“The Queen, by Self-Proclamation, of Long-Term Care Insurance (LTCi)”
404 Royal Bonnet
Ft. Myers, FL 33908

Phone: 713-988-4671
Fax: 281-829-7177

Email: honey@honeyleveen.com

Email: honey@honeyleveen.com

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