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Are your sales in a slump? Not able to get the cases closed? I know all about that and I have a tried and true method of breaking out of it. But first a little review about gifting and a story. Gifting has an effect on your subconscious; I have no way of offering scientific proof but it does have an effect. It can be money, things or time but when you give to someone something happens to you. Here is a story:

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Most people who buy LTC insurance are not aware about future premium increases. LTC insurance premiums are not guaranteed and may increase with permission from state departments of insurance.
The obvious question is have they and will the in the future increase premiums? The answer is yes, they have and many will also increase premiums. Insurance companies can raise rates but only for everyone in the same pool of insured. The company cannot target individual policyholders for special rate increases despite the number of claims someone may make.

Other misconceptions about LTC Insurance:

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