Just got this referral, 54 yr old man. We get to talking and says if I can find a way to put LTC on his parents (88 & 87), then he'll work with me. Is this even possible?

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LTC on an 88 year old? Would be cheaper to just put them down.

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Tell him, "no, thanks."

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Is Moneyguard an option? How about an annuity with a LTC income accelerator rider (like Prudential HD + Lifetime Income Accelerator)?

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Don't work with this person...ever

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Maybe if he could give you a time machine you could help him.

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LTC at 60 in perfect health is 50/50 shot. In the 80's not going to happen. Flip it, tell him you can set aside money in an advisory account or in trust or in a loosely tethered annuity for the benefit of his parents. And when he tries to back out ask him if he really cares about what kind of care they will receive, because putting a plan in place is much better than hoping a Medicaid bed is open.

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It's been a while since I saw this whole seller but I believe it was OneAmerica who had a product that offered LTC through a annuity that they would write up to age 90.

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