Annuities have gotten a bad rap with some investors.

You've heard it before, and it's true: Americans are concerned about outliving their savings.

Every agent has a story to tell. In the senior market, that usually means visiting clients and prospects in their homes to discuss typical offerings such as health, life insurance, and final expense policies.

Critical illness insurance is nothing new. Recently has there been a major uptick in interest in this type of coverage and there are a few reasons why. As an insurance professional, you have the knowledge and credibility to educate business leaders and consumers about critical illness insurance.

Stays in nursing homes and assisted living facilities are increasing as the baby boomer generation reaches its golden years. Unfortunately, most senior living facilities are expensive and those costs continue to rise.

Cross sales with ancillary products is the ultimate winning strategy. Clients feel more comfortable knowing their needs are covered and services will be affordable when they need them.

Studies say 70 percent of seniors can expect to use some form of long-term care during their lives. There are various ways to obtain long-term care (LTC) coverage, but which should you advise for your client?

Don’t believe the commercials. Retirement in the 21st century isn’t always fishing trips, golf outings, and weekend brunches.

Traditional long term care insurance is no longer the only way to pay for future long term care expenses. Your client’s initial life insurance purchase could provide double, triple, or more in long-term care benefits.