LTC FMO suggestions and carriers

Aug 22, 2018

  1. JJ2713
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    JJ2713 Guru

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    Can you recommend any FMOs that offer LTC products. I know many do, but any suggestion helps.

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    Which carriers and their products do you recommend? I know there regular LTC policies, LTC hybrids, annuities with LTC benefits, and MECs with LTC benefits.

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    What is your opinion on these carriers and their products:

    - OneAmerica
    - Lincoln (moneyguard)
    - Nationwide
    - Securian (Minnesota Life)
     
    JJ2713, Aug 22, 2018
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  2. ltcadviser
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    Nationwide is not competitive.
     
  3. JJ2713
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    Good to know.

    Jack, I've also sent you a few emails. Please respond if you ever get a chance.
     
    JJ2713, Aug 22, 2018
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  4. JJ2713
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    I think you've recommended LTCI Partners as an FMO?
     
    JJ2713, Aug 22, 2018
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  5. ltcadviser
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    I do not have any emails from you. Are you sure you are sending it to my correct email address? Double check your spelling.

    Jack @ LTC Partner dot com
     
  6. JJ2713
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    I meant your inbox here on the forum. I have not sent emails there, but I'll go ahead and do so.
     
    JJ2713, Aug 22, 2018
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  7. ltcadviser
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    LTCI Partners was very good to work with.
    I used them 2004-2009.

    Financial Independence Group (FIG) is also a really good FMO. You can contact Alecia Barnette with FIG at (800) 527-1155, ext 124. Alecia is very good.

    I do everything directly with the companies and the underwriters so I do not have any need whatsoever for traditional FMO services.

    You should find an FMO that you feel adds value to you. However you define value.
     
  8. ltcadviser
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    Oh, I don’t check for forum messages.
     
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