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Articles:

  • Harvard Magazine interviews Phyllis Shelton for LTCI article
  • There's No Place Like a Nursing Home: (guest article from Karen Shoff, author)
    I hate it here, I want to come home." Until last month, John Burns, 93, was a healthy, active man who did all the shopping, errands, and cooking for himself and his wife, Emma. Then he broke his leg and ended up in a nursing home. More>>

  • Test Your Knowledge on Reverse Mortgages (Guest article from Mary Ann Lacey-Gray, President, UMS, Inc.) Finding the premium to fund your strategies has always been an obstacle to overcome. Even your wealthier prospects will hesitate or look for tax-deductible ways to fund their insurance or accumulation and investment programs. Look no further! Thanks to HUD, the new Home Equity Conversion Mortgage Program (HECM) is available to them. More>>

  • I have long been a fan of Harry Margolis, "The Elder Law Report" and now this online newsletter, ElderLawAnswers. You can get a free subscription to this online publication as a site visitor, and youcan even get state specific information on the website, which is concise and so helpful. I was very pleased to have my book reviewed on the site on August 11th. Here's the link to the review. And it's a great site if you're looking for a qualified elder law attorney!

  • Guest author, Eileen Tell (SVP - LTCG) responds to "Buying a Security Blanket - Revisited", WSJ, 6/9/03

  • The Sickening Rise of Health Costs
    Thanks to the Center for LTC Financing for bringing this article to my attention. BusinessWeek Online has a great article by Ellen Hoffman May 5, 2003, entitled "The Sickening Rise of Health Costs". She quotes a financial planner's recommendation that people "look into buying long-term-care insurance at a relatively young age -- in your 40s or 50s -- because premiums increase as you get older (see BW Online, 9/21/00, 'The Hidden Costs of Long-Term Care Policies'). more>>

  • 2002 Long-Term Care Insurance Market Trends
    I was asked to give a speech this year on long-term care insurance market trends. To really prepare myself, I decided to survey my 6,000+ e-mail database. I wanted to know the benefit and premium characteristics of what was being sold, and I wanted to know attitudes conveyed by consumers and agents. The respondents to my survey averaged two apps per week, with 62% selling at least one per week, so my survey attracted “serious” LTCI agents. more>>

  • Are YOU Well-Trained in Long-Term Care Insurance?
    The long-term care insurance industry is finally starting to mature, and I like to think I've had a little to do with that. When I started selling long-term care insurance in 1988 and even when I started my training and consulting business in 1991, I felt as though I were on a lonely planet, watching most everyone else whiz past. In 2002, there's no room in the parking lot on the LTCI planet. Today, there is tens of thousands of professionals selling long-term care insurance: 37,000 agents have been through my private or corporate training classes. But of all the people who are selling this much-needed financial and family protection product, I worry about how many of them REALLY know what they're selling? more>>

Due Diligence Corner:

Ever hear the advice to allow affluent clients to self-insure the inflation benefit since buying inflation means doubling the premium in many cases? Let's examine this idea carefully: Click here - you may be surprised!

Phyllis Shelton's Inside View

Phyllis Shelton Responds to Ben Lipson's 5/23/03 article:

I just finished an article in the First Quarter 2003 Agent Sales Journal, GA/TN edition, by Ben Lipson, “Walking Away is No Disgrace”. OK, so I’m a little behind on my reading.

Ben is bashing LTCI trainers in this article, and I have to take issue with several of his comments. more>>

2002 Long-Term Care Insurance Market Trends

I was asked to give a speech this year on long-term care insurance market trends. To really prepare myself, I decided to survey my 6,000+ e-mail database. I wanted to know the benefit and premium characteristics of what was being sold, and I wanted to know attitudes conveyed by consumers and agents. The respondents to my survey averaged two apps per week, with 62% selling at least one per week, so my survey attracted “serious” LTCI agents. more>>

Do You Stand Out from “All the Rest?”

When I started selling long-term care insurance in 1988 and even when I started my training and consulting business in 1991, I felt as though I were on a lonely planet, watching most everyone else whiz past. In 2002, there’s no room in the parking lot on the LTCI planet. But how many people on the planet really know the topography or as newcomers, are they waiting on a tour themselves? more>>

Are YOU Well-Trained in Long-Term Care Insurance?

The long-term care insurance industry is finally starting to mature, and I like to think I've had a little to do with that. When I started selling long-term care insurance in 1988 and even when I started my training and consulting business in 1991, I felt as though I were on a lonely planet, watching most everyone else whiz past. In 2002, there's no room in the parking lot on the LTCI planet. Today, there is tens of thousands of professionals selling long-term care insurance: 37,000 agents have been through my private or corporate training classes. But of all the people who are selling this much-needed financial and family protection product, I worry about how many of them REALLY know what they're selling? more>>

Author: Phyllis Shelton
Title:
How to get clients to Discuss LTC Insurance

Author: Phyllis Shelton
Title:
The Caregiver's Glass Ceiling

Author: Bill Pomakoy
Title: The Future of Agent Training - TODAY!

Author: Lori Odom
Title: Video Marketing At Its Best

Author: Phyllis Shelton
Title: Just How Much Does This Stuff Cost?

Author: Bill Comfort
Title: Letter to the Editor
Published in National Underwriter, February 26, 2001

Author: Phyllis Shelton
Title: Response to “Arm Yourself While You Can”

Author: Phyllis Shelton
Title: The Impact of BBA, BIPA and Medicare+ Choice on LTC
(Why Medicare/Medicare Supplement is Short-Term Care)

Author: Phyllis Shelton
Title: The Real Health Care Crisis

Author: Phyllis Shelton
Title: Short Term Care vs. Long-Term Care  Insurance

Author: Phyllis Shelton
Title: Reverse Mortgages - Alternative for Financing Long-Term Care

Author: Phyllis Shelton
Title: Common Misconceptions
Harbored by Agents New to  LTC

Author: Phyllis Shelton
Title: Response to "Stocks vs. Insurance"

Author: Phyllis Shelton
Title: The Products, They Are A'Changin'...

Author: Phyllis Shelton
Title: It's About Time...A New Marketing Idea for LTC Insurance

Author: David Miller
Title: Letter to the Editor, National Underwriter

Author: Eileen  Tell
Title: Response to "To Protect and To Save",
SmartMoney Magazine, 11/99

Author: Stephen Moses
Title: The LTC Pledge for Baby Boomers

Author: Phyllis Shelton
Title: Short Term Care vs. Long-Term Care  Insurance

Author: Phyllis Shelton
Title: Are We Trying To Catch Flies With Salt?

Author: Martin  Bayne
Title: Guest Narrative from ADL DIGEST

Author: Phyllis Shelton
Title: My Best Friend

Author: Phyllis Shelton
Title: Be An LTC Media Queen...King

Author: Phyllis Shelton
Title: Response to Consumer Reports
“How Will You Pay for Your Old Age?”

Author: Jack Sinclair/James Duncan
Title: Providing New Funds for Long-Term Care

Author: Phyllis Shelton
Title: How to Get Clients to Discuss LTC Insurance

Author: Peter M. Goldstein
Title: Disability-Model LTCs Option for Clients

Author: Phyllis Shelton
Title: Should You Sell Long-Term Care Insurance?

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