LTC Unlocked:

Your month-long guide to integrating long-term care into your practice.

Turn Long-Term Care Awareness into Action

Realizing the LTC opportunity is easier than you think. Throughout Long-Term Care Awareness Month, our calendar will educate you on the LTC opportunity and show you how to seamlessly integrate into your practice to drive real growth. Click any date below to instantly access your daily strategy, download ready-to-use materials, and start engaging with your clients.

Please confirm with your broker dealer prior to using these materials that you are authorized to do so.

Turn Long-Term Care Awareness into Action

Realizing the LTC opportunity is easier than you think. Throughout Long-Term Care Awareness Month, our calendar will educate you on the LTC opportunity and show you how to seamlessly integrate into your practice to drive real growth. Click any date below to instantly access your daily strategy, download ready-to-use materials, and start engaging with your clients.

Please confirm with your broker dealer prior to using these materials that you are authorized to do so.

Events in November 2026

Monday Tuesday Wednesday Thursday Friday
October 26, 2026
October 27, 2026
October 28, 2026
October 29, 2026
October 30, 2026
November 2, 2026 (1 event)

Learn Why You Should be Selling Long-Term Care

Long-term care planning is no longer just about nursing homes, it's an essential strategy for protecting retirement assets and maintaining independence. Understanding the growing demand helps you seamlessly integrate LTC solutions into your core practice.

Action: Review the attached flyer to uncover key market drivers and identify new growth opportunities within your existing client base.

Resource:
November 3, 2026 (1 event)

Learn About the Long-Term Care Market

The need for long-term care planning is at an all-time high. Visualizing these demographic shifts gives you compelling statistics to share during planning discussions.

Action: Review and share the attached infographic to highlight the reality of care costs and coverage gaps.

Resource:
November 4, 2026 (1 event)

Watch a Pre-Recorded Webinar to Master the LTC Conversation

Many advisors avoid LTC discussions because they aren't sure how to bring up the topic without making clients uncomfortable. Learning structured conversation frameworks helps make introducing LTC feel natural and consultative.

Action: Watch this short on-demand session to learn effective strategies for initiating LTC planning conversations.

Resource:
November 5, 2026 (1 event)

Learn How to Overcome Common Client Objections

Clients often dismiss LTC planning assuming family will step in, Medicaid will cover them, or that self-funding won't impact their legacy. Having targeted conversation starters helps you reframe these assumptions and highlight real care costs.

Action: Review the attached flyer to learn how to confidently address client hesitation and keep planning conversations moving forward.

Resource:
November 6, 2026 (1 event)

Post About the Need for LTC on Social Media

Long-term care awareness starts with education. Sharing industry statistics on social media positions you as a knowledgeable resource and prompts followers to evaluate their own family readiness.

Action:Use the provided social graphics to raise awareness across your professional social channels.

Resource:
November 9, 2026 (1 event)

Identify and Pre-Screen 3 Ideal LTC Candidates in Your Book

Finding the right candidates for long-term care planning starts with gathering essential health, financial, and lifestyle background details. Utilizing a pre-screening health and financial questionnaire helps you determine applicant eligibility, identify potential underwriting concerns, and evaluate income sources before opening formal planning discussions.

Action: Complete the attached pre-screening questionnaire for 3 target clients to evaluate their potential fit and lay the groundwork for an LTC planning conversation.

Resource:
November 10, 2026 (1 event)

Show 3 Clients Why the Best Time to Plan for LTC Is Today

Delaying LTC planning often leads to higher premiums, fewer product choices, or unexpected health disqualifications. Educating clients early helps them secure coverage while their health and rates are optimal.

Action: Send the attached flyer to 3 clients to illustrate the financial advantage of early planning.

Resource:
November 11, 2026 (1 event)

Use the Inforce Action Center to Identify Partial Exchanges

Using the Inforce Action Center, identify clients who have an upcoming annual review to demonstrate how even a partial 1035 exchange can help solve for the long-term care need. Talk about how repurposing a portion of an existing policy to fund asset-based long-term care can sometimes make sense. This strategy helps solve for their LTC needs while addressing they might not need all of the existing coverage they have.

Action: Download the attached flyer, and visit Inforce Action Center to quickly identify existing policies in your book that may benefit from partial exchanges.

Resource:
November 12, 2026 (1 event)

Use These LTC Conversation Tactics for Your Next Client Call

Integrating LTC into regular client check-ins doesn't require a hard sell. Using value-driven conversation anchors allows you to uncover LTC needs organically.

Action: Review the attached flyer to learn five strategies to foster more constructive LTC conversations, then try them out on your next client call.

Resource:
November 13, 2026 (1 event)

Customize and Share a White Paper with Your Clients

Educating clients on potential care expenses, common misconceptions about government coverage, and alternative funding solutions—like hybrid life and annuity policies—positions you as an indispensable planning partner. Providing an accessible, comprehensive overview helps clients take proactive steps toward better protection.

Action: Download our customizable whitepaper, add your branding and contact information, and share it with clients to start essential extended-care planning conversations.

Resource:
November 16, 2026 (1 event)

Have Clients with Idle Assets? Help Turn Them into Long-Term Care

Stagnant cash, low-yield accounts, or CDs often fail to keep pace with potential healthcare costs. Repositioning idle savings into asset-based LTC offers potential growth for care protection while preserving liquidity and income tax-free death benefit features (subject to policy conditions).

Action: Share the attached flyer with clients holding idle cash to show how repositioned savings can create living security.

Resource:
November 17, 2026 (1 event)

Attend a Webinar: Solving for LTC with a Longevity Expert

Initiating the long-term care conversation is a common hurdle: clients resist the topic, and agents often struggle to weave it into their planning without creating friction.
However, mastering this approach can help open significant growth opportunities for your practice. Learn how to naturally introduce LTC to help protect your clients' retirement assets while supporting asset gathering and practice growth.

Action: Join Simplicity Partner, Misty Mcminn and Nationwide's Vice President of Business Development, Jeffery Sobota as they break down how leading producers integrate the LTC conversation into their growth strategy.

Resource:
November 18, 2026 (1 event)

Work the LTC Conversation into Your Client Annual Reviews

Annual reviews are an ideal setting to introduce LTC without making it a standalone sales pitch. Repositioning existing assets into asset-based LTC allows clients to convert savings, CDs, or low-yield accounts into tax-advantaged care coverage, securing living benefits while preserving a tax-free legacy if care is never needed.

Action: Share the attached brochure with clients during upcoming annual review meetings to help them compare traditional versus asset-based LTC options.

Resource:
November 19, 2026 (1 event)

Post About Asset-Based LTC Solutions on Social Media

Modern hybrid LTC policies appeal to clients who dislike traditional "use-it-or-lose-it" models by offering death benefits or cash value return alongside care coverage.

Action:Share one of the attached social graphics on your professional channels to show followers how modern LTC solutions can protect their wealth whether care is needed or not.

Resource:
November 20, 2026 (1 event)

Have a Client Who Recently Inherited an IRA? Help Reposition It

Under current tax rules, non-spouse beneficiaries inheriting traditional IRAs face strict withdrawal timelines that can trigger substantial income tax liabilities. Asset-based LTC provides a tax-efficient home for these distributions.

Action: Share the attached flyer with clients navigating inherited wealth to demonstrate how to turn taxable distributions into tax-free care protection.

Resource:
November 23, 2026 (1 event)

Show 3 Annuity Clients How to Unlock Tax-Free LTC Benefits

Under the Pension Protection Act, qualified 1035 exchanges into PPA-compliant hybrid annuities may allow distributions for qualified long-term care expenses to be received tax-free.

Action: Send the attached flyer to 3 clients with existing annuities to demonstrate how a 1035 exchange can convert taxable gains into tax-free care benefits.

Resource:
November 24, 2026 (1 event)

Prepare Clients for an LTC Discussion with Family Over the Holidays

Holiday family gatherings often reveal changes in aging parents' health or independence. Helping clients navigate these conversations before family visits ensures productive, compassionate discussions.

Action: Share our conversation guide with clients who have aging parents to help them frame health and financial planning discussions over Thanksgiving.

Resource:
November 25, 2026 (1 event)

Start Thinking About LTC For You and Your Family

You spend countless hours safeguarding your clients’ futures, but it’s just as critical to ensure your own family is protected. Being home for the holidays offers a rare, meaningful opportunity to evaluate your own long-term care strategy, providing peace of mind for the people who matter most.

Action: Review the two attached product highlight flyers to compare hybrid LTC solutions, funding methods, and coverage structures for yourself or your family members.

Resource:
November 26, 2026 (1 event)

Happy Thanksgiving
November 27, 2026 (1 event)

Happy Thanksgiving
November 30, 2026 (1 event)

Learn How to Underwrite LTC Policies

Field underwriting upfront is critical for identifying potential risk factors before submitting a formal application. Proactively asking targeted health questions regarding specific conditions speeds up approvals, manages client expectations, and significantly lowers the risk of policy denial.

Action: Review the attached reference guide to familiarize yourself with specific condition inquiries to conduct more effective pre-screenings.

Resource:
December 1, 2026
December 2, 2026
December 3, 2026
December 4, 2026

Keep the Momentum Going: Unlock the Full Power of a Simplicity Partnership

The materials on this page are just a preview of how you can drive client engagement—affiliate with Simplicity to keep the momentum going all year long. As a contracted agent, you gain a dedicated team equipped with everything you need to scale your practice:

  • Comprehensive Access: Tap into a broad portfolio of top-carrier life, long-term care, and disability solutions.
  • Dedicated Sales Support: Partner with knowledgeable consultants for custom growth plans, case design, and training.
  • Advanced Planning Tools: Leverage proprietary technology that turns complex financial strategies into clear conversations.
  • Training & Development: Access professional development programs built to elevate your practice and drive production.

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