Hybrid LTC IMO

Jul 24, 2019

  1. Tothetop
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    Tothetop Super Genius

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    Looking for an IMO or FMO for hybrid LTC policies. Currently using ash brokerage. Any suggestions?
     
    Tothetop, Jul 24, 2019
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  2. ltcadviser
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    ltcadviser Guru

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    I can give you a strong referral or two, however what is Ash not doing for you?
     
  3. Tothetop
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    Tothetop Super Genius

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    Im looking for an IMO that is a little more LTC focused. Not necessarily someone who just runs my quotes but an IMO that understands the market and what the sales process is like.

    Ash is good but I just need a little bit more. I plan to pick up more sales over the next year so I need a little bit more assistance.

    I have about 3 imos that I'm looking at now. I wanted to see if I'm missing any reputable ones
     
    Last edited: Jul 24, 2019
    Tothetop, Jul 24, 2019
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  4. ltcadviser
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    ltcadviser Guru

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    Which 3 are you looking at now?
     
  5. Tothetop
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    Tothetop Super Genius

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    My mistake 2 not 3. Ltci partners and long term care resources
     
    Tothetop, Jul 24, 2019
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  6. ltcadviser
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    ltcadviser Guru

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    LTCi Partners is comprised of good people.

    Why do you need an FMO to run illustrations for you and provide sales assistance?
     
  7. Tothetop
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    Tothetop Super Genius

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    Ok thanks.

    I never said I need an FMO to run illustrations nor did I say I need sales assistance.
     
    Tothetop, Jul 24, 2019
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  8. ltcadviser
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    ltcadviser Guru

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    What do you want Ash or LTCR or LTCIP to do for you that you feel you cant do by yourself?
     
  9. Tothetop
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    Tothetop Super Genius

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    You cant go direct with all the carriers, for example oneamerica. So if I have to use a bga or IMO, I would prefer one that brings more to the table not just offering to run my quotes.
     
    Tothetop, Jul 25, 2019
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  10. ltcadviser
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    ltcadviser Guru

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    I work directly with OneAmerica and Lincoln. Run all of my illustrations; work directly with my underwriters and case managers. Not complicated. My BGA stays out of my way. Its sole purpose is to provide me a contract and let me produce. There isn’t anything they need to add from a processing or a marketing standpoint. And you can contract directly with OneAmerica and avoid a BGA. One of my close friends did.
     
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