Tag Archives: long term care insurance

The Premier Agency is Recruiting New Insurance Agents in Arizona and Utah, and Matching Their Marketing Budget Dollar-For-Dollar

PHOENIX, Ariz. /ScoopCloud/ -- The Premier Agency, founded in 2017, has begun recruiting top insurance agents throughout Arizona and Utah. The company specializes in Medicare, health, life, and long term care insurance. By working with the Premier Agency, new agents will represent most Major Medicare Advantage and Supplement carriers. One of the perks to working with the Premier Agency is their co-op marketing program.

The agency offers an exclusive co-op marketing program that matches their agent's marketing budgets, dollar-for-dollar.

Brent Crawley, co-founder of The Premier Agency, explains, "Our co-op process is quite unique and unlike anything we think you'll find elsewhere. Simply put, our agents are never alone when spending money to market their business. If they spend a dollar, we spend a dollar. We want to see our agents thrive! We care about their success and often that success takes time, commitment and costs money, and we are here to help.

"At The Premier Agency, we empower our agents to take control of their agency by providing them access to state of the art tools and resources to ensure their clients receive the best advice and service possible. We position agents and agencies to achieve instant success with best-in-class technology and well-established partner networks."

In addition to the co-op marketing program, new agents with the Premier Agency also have access to partnerships with doctors and medical groups, a free CRM, agent referral bonuses, and a multi-carrier online enrollment and quote tool, among other perks. Cultivating a positive company culture is also a cornerstone of working with the Premier Agency.

"The Premier Agency is very focused on the connection and relationship we have with our agents and agencies. We do weekly trainings, quarterly conference calls, promotional events and so much more for our agents. We want everyone to feel like they are part of our team. We go through a process of building a business plan for every producer who wants one, with the idea of helping them grow their business. We have created a culture that empowers and encourages our agents to provide the time and world class service that our senior community so desperately deserves," says Crawley.

Interested agents can inquire about working with the Premier Agency by calling (602) 350-5540, emailing j.heubach@premieragentnet.com or visiting https://www.premieragentnet.com/become-an-agent/.

The Premier Agency, founded in 2017, has begun recruiting top insurance agents throughout Arizona and Utah. The company specializes in Medicare, health, life, and long term care insurance. By working with the Premier Agency, new agents will represent most Major Medicare Advantage and Supplement carriers.

Related link: https://www.premieragentnet.com/

Do-It-Yourself Long-Term Care Can Have High Hidden Costs, According to ACSIA Partners

KIRKLAND, Wash., April 21, 2016 (SEND2PRESS NEWSWIRE) -- Rate increases by some long-term care insurance carriers should not scare people off, according to Denise Gott. "Even if a particular policy's premium seems high," she says, "it may be a bargain compared to the alternative, family caregiving." Gott is CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies.

"Family caregiving has three hidden costs, which can be significant," says Gott.

1. Lost Income. According to the Long Term Care Financing Collaborative, women in their 50s who leave their jobs to care for aging parents lose $300,000 in lifetime income, on average.

Losses can vary. For example, at age 57 Amy left an $85,000-a-year job to care for her father at home for three years. That's $255,000 in lost salary plus thousands more in lost Social Security benefits. In addition, during those three "idle" years, Amy may have become less employable, losing out on tens to hundreds of thousands more.

2. Increased Health Risks. Family caregivers often expose themselves to injury and illness from the physical stresses of handling a loved one, and from the psychological stresses of tending them endlessly. A recent study by the Alzheimer's Association found that family caregivers are 28 percent more likely to go hungry or eat less. Twenty percent said they sacrificed their own medical care by cutting down on doctor's visits.

In a study by the Center on Aging, 10 percent of caregivers said their own health declined due to their efforts. This translated into higher healthcare costs for them, and was especially acute for those who lost their health insurance when they left their jobs.

3. Lost Retirement Assets and Less Investment in the Family. In the Alzheimer's Association study, 13 percent of caregivers said they tapped their savings or retirement assets to help provide care, and many sold personal items such as a car. Eleven percent said they cut back on their children's education.

In a study by the National Alliance for Caregiving and Evercare, 47 percent of working caregivers reported using up all or most of their savings while giving care.

What's the current cost of insurance? According to the American Association for Long-Term Care Insurance, typical policies range from $960 to $2,035 per year for a male age 55; and from $960 to $2,580 per year for a female age 55.

"This may not seem out of line compared to do-it-yourself care," says Gott, "especially if professional care is also needed as the loved one deteriorates." The annual median cost of a semi-private room in a nursing home is $80,300, according to Genworth Financial, Inc.

According to the U.S. Department of Health and Human Services, nearly 70 percent of those 65 or older will need long-term care at some point; and the federal government recommends long-term care insurance for those who can afford it.

Gott agrees. "LTC insurance can provide valuable protection, but it's not for everyone," she says. "Wealthy individuals can self-insure. And those without means may qualify for long-term care from Medicaid." (Medicare does not cover most long-term care services, contrary to common belief.)

"Those who could benefit from LTC insurance owe it to themselves to look into the costs and benefits," she advises. "It only takes a minute to get started. Just go to our website and request a quote. You may also talk with an expert." Her organization has over 300 long-term care specialists in all parts of the country.

About ACSIA Partners:

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving families and organizations in all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

*LOGO for media: Send2Press.com/mediaboom/16-0421-ACSIA-Partners-300dpi.jpg

Twitter: @AcsiaPartners #LongTermCare

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/do-it-yourself-long-term-care-can-have-high-hidden-costs-according-to-acsia-partners-2016-0421-01.shtml.

NEWS SOURCE ACSIA Partners LLC :: This press release was issued on behalf of the news source (who is solely responsible for its accuracy) by and Copr. © 2016 Send2Press® Newswire, a service of Neotrope®.

Tax Tip from ACSIA Partners: 2016 Deductions Make Long-Term Care Insurance More Affordable for Many

KIRKLAND, Wash., March 17, 2016 (SEND2PRESSS NEWSWIRE) -- If you're in the market for long-term care insurance, you may be suffering from sticker shock. "The cost may seem out of reach," says Denise Gott. "Many people feel this way, so they put off protecting themselves. That's a shame, because in their case, Uncle Sam may pick up part of the tab." Gott is CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies.

Federal tax deductions for owning long-term care insurance range from a few hundred to a few thousand dollars, and they're higher than ever in 2016. "Not everyone qualifies," says Gott, "but everyone owes it to themselves to find out if they do and how big the deduction might be. For millions, the net policy cost will be at least a little less than the 'sticker price.'"

For the taxable year beginning in 2016, the limitations under Section 213(d)(10) of the IRS tax code, regarding eligible long-term care premiums includible in the term "medical care," are as follows:

Attained Age Before Close of Taxable Year / Limitation on Premiums:
* 40 or less: $390
* More than 40 but not more than 50: $730
* More than 50 but not more than 60 $1,460
* More than 60 but not more than 70: $3,900
* More than 70: $4,870.

The deductions recur every year that one pays long-term care premiums, and have been increasing annually.

"The idea is to encourage Americans to protect themselves," says Gott. "Unfortunately only about 10 percent of those who could benefit from a policy actually have one. The percentage should be much higher. We think it would be if the deductions were taken into account."

Greater public awareness is vitally needed, and Gott's company is doing what it can to spread the word. "We have over 150 long-term care specialists in all parts of the country. During tax season they're available to consult with anyone or their financial advisor by phone or in person."

About ACSIA Partners:

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

*LOGO for media: Send2Press.com/mediaboom/14-1119-ACSIA-Partners-300dpi.jpg

Twitter: @AcsiaPartners #LongTermCare

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/tax-tip-from-acsia-partners-2016-deductions-make-long-term-care-insurance-more-affordable-for-many-2016-0317-01.shtml.

Just Among Friends: Long-Term Care Insurance on Facebook

KIRKLAND, Wash., Sept. 23, 2015 (SEND2PRESS NEWSWIRE) -- Long-term care insurance agents often resist reaching out to friends who could use their help. And seekers of LTC insurance information also resist reaching out to friends who may be in the business. But there's much to gain from overcoming this reluctance, according to ACSIA Partners, a leading long-term care insurance agency.

"If you're an agent, you may recoil at the idea of selling to your friends," says Denise Gott, CEO of ACSIA Partners. "And if you're on the buying end, you may feel you're imposing if you approach a friend in the business. But you really should connect. In our experience, agents and buyers who are friends are getting together with good results on both sides."

Social media sites -- especially Facebook, LinkedIn, and Twitter -- make it easy for LTC agents to reach out in low-key ways, according to Gott. "Our people avoid the hard sell," she says. "That's important. Mostly they just make clear they're in the business. And they post useful information that friends appreciate. For example, a reminder of LTC deductions available at tax time, or facts on who needs protection, or available policy types."

Agents who get lots of inquiries from friends tend to post regularly, maintaining an ongoing presence and dialog. Two examples:

Gabrielle Gelo makes regular visits to Facebook and is amply rewarded. "Facebook allows me to reach out to childhood acquaintances that I might not have maintained contact with otherwise, through the high school Facebook page. They need help with long-term care planning, and the trust is already there," she says. "For me, social media works: it costs nothing, and takes minimal time."

Kim Beckham also enjoys a solid response from social media. "Last year, about three fourths of my business was Facebook-related," she reports. "And it was mostly with friends and family and referrals from friends and family."

Beckham, like Gelo, stresses the importance of keeping things low-key and friendly. For example, "On Facebook I don't use a business page," says Beckham. "I just use my personal page, because I feel I am my brand, and people are looking to me as a person, not an agent."

If you're a consumer, social media can be an especially good place to shop for LTC insurance, according to Gott. "It's fine to click on internet ads or request quotes on search engines," she says. "But if you value the personal touch, it's hard to beat social media for linking up with someone you know and trust."

ACSIA Partners LLC -- http://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance solution agencies with hundreds of agents serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan.

* IMAGE (web): Send2Press.com/mediaboom/15-0923-acsia-sept-500x375.jpg

* Image Caption: ACSIA Partners agents Kim Beckham and Gabrielle Gelo with CEO Denise Gott.

To view the original version on Send2Press Newswire, visit: https://www.send2press.com/newswire/just-among-friends-long-term-care-insurance-on-facebook-2015-0923-03.shtml.

NEWS SOURCE ACSIA Partners LLC :: This press release was issued on behalf of the news source (who is solely responsible for its accuracy) by and Copr. © 2015 Send2Press® Newswire, a service of Neotrope®.