The Ticking Time Bomb in Your Book of Business: Are You Ignoring the 70% Opportunity?

Ask yourself an honest question: Are you truly managing your clients’ retirement if you aren't addressing the biggest threat to their income?

While most agents are talking about taxes, very few are addressing the "long-term care dilemma." In our latest Producers Edge live training event, Phil Dizon, Founder of Retirement Shield 360, sat down with success coaches Brett Riley and Ricky Villa to uncover a massive, underserved lane of opportunity within your existing book of business.

​If you work in the retirement-age market, you must see the writing on the wall. We are facing a long-term care crisis. Consider the statistics and challenges discussed in this presentation:

• The 70% Statistic: 70% of Americans are going to need some type of long-term care assistance. If you aren't betting on those odds, your clients are at major risk.
• The Burden of Cost: With average stays in care facilities lasting 2.5 years, current costs can easily wipe out a client’s entire life savings, passing the physical and financial burden onto their children.
• Traditional Solutions are Failing: Traditional LTC insurance is plagued by strict underwriting, limited carrier options (Genworth has left the building), and skyrocketing premiums for existing policyholders.
• The Medicare Misconception: Clients wrongly believe Medicare will cover true long-term care needs. It won’t.

If your clients won’t or can’t buy traditional LTC insurance, what is the alternative? Phil Dizon provides a preview of powerful hybrid solutions that allow you to help clients by utilizing money sitting in low-yield CDs, underperforming FAS, or "struggling" IUL policies. This session previews "Care Buffer" products that utilize qualified and non-qualified funds, offering:

• Day 1 Leverage: Immediately enhance initial deposits by up to 330% for tax-free benefits.
• Guaranteed Issue: Even for clients in bad health who can't qualify for life insurance.
• Guaranteed Rollups: A guaranteed rollup on the benefit base for up to 20 years.

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But how do you start that conversation? How do you re-engage past clients who "hate annuities" and get them excited about a plan for care? Phil and the team unveil the Long-Term Care Agent Playbook—a 42-page handbook that gives you the exact road map to elevate your process and build a "Retirement Shield" for your clients

When you watch the full training session, you will get a direct look at the Playbook, including:

1. Engagement Templates: Specific, intentionally designed emails and text messages for a 30/60/90-day nurturing campaign.
2. Phone Scripts: A guide to initial discovery calls and setting that crucial second appointment to show the solution.
3. The "Case for Care" Slide Deck: A preview of the visual client presentation. Stop using jargon and start using visuals that Gen-X and Baby Boomer clients need to see to build trust.
4. Discovery worksheets: The step-by-step methodology to stop being a "product pitcher" and become an "educator" through a customized sales process.

Don’t throw away up to 50% of your potential business every year by ignoring your past registrants and current book of business. You don't need a $10,000 dinner seminar to build confidence. You just need the right tools. Check out the full Producers Edge live training now to stop shooting in the dark and start utilizing a calculated, repeatable system that builds credibility and uncovers massive, underserved opportunities.

watch the full episode here