Zero Premium Contortions


Zero Premium Contortions

First, LIMRA does a fantastic job evaluating our sales progress along all product discipline lines. For the most part our progress or retreat from a given market appears as a reasonable incremental up or down movement. The steady yearly fall over the last 17 years of individual stand-alone “traditional” LTCI has become an unfortunate fixture in the celestial sales firmament. Sales of any long term care planning solution, to include life combo and traditional, have been holding relatively steady at about a half million new buyers per year. And relatively speaking, individual LTCI has apparently bottomed out in 2019 at a little over fifty thousand new proud (and BTW extremely smart) owners of peace of mind inflation protection. We know all this only too well.


Originally published in the December 2020 edition of Broker World Magazine

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