WIN Group: Solving the LTC Crisis, A Guide for Life & Annuity Agents By WIN Group

The LTC Ticking Time Bomb: How to Protect Your Clients and 3X Your Annuity Production

If you’re a life insurance or Medicare agent, you’re likely sitting on a book of business that has a massive, unaddressed hole: The Long-Term Care (LTC) Dilemma. Right now, 70% of retirees will need some form of care, yet traditional LTC insurance is essentially broken. Premiums are skyrocketing, 50% of applicants over age 70 are being declined, and clients are terrified of the "use it or lose it" nature of traditional policies. In our latest Power Hour session, Phil Dizon, Ricky Villa, and Brett Riley reveal how to turn this crisis into a massive opportunity using hybrid annuity solutions that offer growth, income, and tax-free LTC benefits.

Why Traditional LTC is Failing Your Clients? Most agents avoid the LTC conversation because they don't want to deliver bad news. Traditional policies are plagued by:

• The Premium Trap: Rate hikes are forcing clients to cancel policies they’ve paid into for decades.
• The Underwriting Wall: Over half of seniors are "uninsurable" by traditional standards.
• The Reimbursement Nightmare: Most policies require clients to submit piles of paper receipts and wait through 90-day elimination periods while paying out of pocket.

The "Income-Plus" Solution: Market Early & Market Future--We dive deep into the EquiTrust Market Early and Market Future FIAs. These aren't just standard income plays; they feature a chronic illness doubler that is a game-changer for your practice.

• The "Zero-Balance" Safety Net: This is the big one. Unlike 95% of the industry, EquiTrust honors the doubler benefit for the full five years even if the account value hits zero. If the benefit is triggered while there is still $1 in the account, the insurance company stays on the hook for the full enhanced payout.
• Huge Upfront Bonuses: The Market Early version offers a 20% immediate income-base bonus with a 7% compound rollup for the first five years.
• The Replacement Secret Weapon: The Market Future version features an 8% cash value bonus. This allows you to move clients out of underperforming policies—even those still in surrender—by making them "whole" on day one.
• Smart Fee Structure: Most carriers charge riders based on the (larger) benefit base. EquiTrust charges their 1.25% fee based on the cash value, which is typically much smaller, keeping more equity in your client's pocket.

The "Bridge" Product: 300% Leverage & Guaranteed Issue--For clients with "rainy day" non-qualified money (CDs, savings, or mattresses), we break down the EquiTrust Bridge.

• Immediate 3X Enhancement: Leverage a $100k deposit into up to $330,000 of tax-free LTC benefits on day one (depending on age and class).
• The End of Medical Exams: This is a Guaranteed Issue style play. The underwriting is a simple 5-question video interview. No blood draws, no physician statements, and no 60-day wait times for an approval.
• Compounded Protection: The benefit base grows at a 3% compounded rate for 20 years, ensuring the "pot of money" keeps up with the rising cost of care.

"Where there’s a problem, there’s an opportunity. Long-term care is a ticking time bomb for 70% of your clients. If you aren't talking about it, someone else will." — Phil Dizon, WIN Group Founder

Don’t miss the end of the video, where we explain how to get our LTC Review Playbook—a step-by-step guide to uncovering these assets within your current book of business. Plus, find out how your next LTC case could help you qualify for our top producer trip to Hawaii.

Watch the Full Replay on Below and Schedule Your Demo to Access the Retirement Shield 360 System!

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