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	<title>Comments for Barry J. Fisher Paradigm Insurance Marketing</title>
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	<link>http://www.bjfim.com</link>
	<description>The Go-To Team for Long Term Care Insurance Brokerage</description>
	<lastBuildDate>Sat, 05 Jun 2010 21:40:32 -0700</lastBuildDate>
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		<title>Comment on Tax-Free Withdrawals From Annuities &#8212; A Revolution In Long-Term Care Insurance? by Ed's Long term care insurance</title>
		<link>http://www.bjfim.com/2009/blog/product-reviews/tax-free-withdrawals-from-annuities-a-revolution-in-long-term-care-insurance/comment-page-1/#comment-641</link>
		<dc:creator>Ed's Long term care insurance</dc:creator>
		<pubDate>Sat, 05 Jun 2010 21:40:32 +0000</pubDate>
		<guid isPermaLink="false">http://bjfim.in-the-works.net/?p=87#comment-641</guid>
		<description>Thanks for the information. Especially helpful is how clearly you laid out the different products. This will be perfect when it comes time to purchase long term care insurance.</description>
		<content:encoded><![CDATA[<p>Thanks for the information. Especially helpful is how clearly you laid out the different products. This will be perfect when it comes time to purchase long term care insurance.</p>
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		<title>Comment on Big News From John Hancock LTCi by Barry J. Fisher</title>
		<link>http://www.bjfim.com/2010/blog/product-reviews/big-news-from-john-hancock-ltci/comment-page-1/#comment-431</link>
		<dc:creator>Barry J. Fisher</dc:creator>
		<pubDate>Fri, 07 May 2010 13:18:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.bjfim.com/?p=698#comment-431</guid>
		<description>LBL has been going through a systematic in-force rate increase on their pre and post rate stabilized business. While I know that 30% seems like a lot, this increase is on a 10-pay product that you probably sold.  The actual rate increase on annual pay business was closer to 10%.  The 30% is due to the fact the the polcyholder probably has less than three more years of premium to pay and then he/she is done therefore the rate increase was &quot;compressed&quot; so to speak.  The good news for this client is that after the 10 pay is up they&#039;re done with premiums and any future rate increases.  Good question!</description>
		<content:encoded><![CDATA[<p>LBL has been going through a systematic in-force rate increase on their pre and post rate stabilized business. While I know that 30% seems like a lot, this increase is on a 10-pay product that you probably sold.  The actual rate increase on annual pay business was closer to 10%.  The 30% is due to the fact the the polcyholder probably has less than three more years of premium to pay and then he/she is done therefore the rate increase was &#8220;compressed&#8221; so to speak.  The good news for this client is that after the 10 pay is up they&#8217;re done with premiums and any future rate increases.  Good question!</p>
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		<title>Comment on Big News From John Hancock LTCi by Jerry Daniel</title>
		<link>http://www.bjfim.com/2010/blog/product-reviews/big-news-from-john-hancock-ltci/comment-page-1/#comment-428</link>
		<dc:creator>Jerry Daniel</dc:creator>
		<pubDate>Fri, 07 May 2010 02:35:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.bjfim.com/?p=698#comment-428</guid>
		<description>Any comment or information on Lincoln Benefit Life&#039;s 30%+ rate increase on their LTC business?</description>
		<content:encoded><![CDATA[<p>Any comment or information on Lincoln Benefit Life&#8217;s 30%+ rate increase on their LTC business?</p>
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		<title>Comment on L.A. Times Gets It Wrong Again &#8212; So What Else Is New? by Barry J. Fisher</title>
		<link>http://www.bjfim.com/2010/blog/l-a-times-gets-it-wrong-again-so-what-else-is-new/comment-page-1/#comment-229</link>
		<dc:creator>Barry J. Fisher</dc:creator>
		<pubDate>Fri, 09 Apr 2010 20:02:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.bjfim.com/?p=658#comment-229</guid>
		<description>Spot on comments from all of you. Barry</description>
		<content:encoded><![CDATA[<p>Spot on comments from all of you. Barry</p>
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		<title>Comment on L.A. Times Gets It Wrong Again &#8212; So What Else Is New? by Kenneth Scopp</title>
		<link>http://www.bjfim.com/2010/blog/l-a-times-gets-it-wrong-again-so-what-else-is-new/comment-page-1/#comment-228</link>
		<dc:creator>Kenneth Scopp</dc:creator>
		<pubDate>Fri, 09 Apr 2010 19:15:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.bjfim.com/?p=658#comment-228</guid>
		<description>Good for you Barry.  I read the article and got hotter and hotter as I read.  A typical LAT report filled with half truths and flawed beyond belief. If you or I put out this much mis-information we would be looking for different work.  Maybe that is a good idea for Mr. Hiltzig.  Ken</description>
		<content:encoded><![CDATA[<p>Good for you Barry.  I read the article and got hotter and hotter as I read.  A typical LAT report filled with half truths and flawed beyond belief. If you or I put out this much mis-information we would be looking for different work.  Maybe that is a good idea for Mr. Hiltzig.  Ken</p>
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		<title>Comment on L.A. Times Gets It Wrong Again &#8212; So What Else Is New? by Nancy Aita</title>
		<link>http://www.bjfim.com/2010/blog/l-a-times-gets-it-wrong-again-so-what-else-is-new/comment-page-1/#comment-227</link>
		<dc:creator>Nancy Aita</dc:creator>
		<pubDate>Fri, 09 Apr 2010 18:43:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.bjfim.com/?p=658#comment-227</guid>
		<description>I am a democrat, and very dismayed by this pathetic attempt at long term coverage by the government.  That I would have to pay for 5 years before I can even file a claim is a joke; however, as I try to see all of these types of things - a great opportunity.

I have been asked more about ltci recently due to this bill, and I see it as a great opportunity to be able to provide real, true long term care coverage to clients.  I anticipate that as more and more folks see the reality of this CLASS(less) act, we will be seeing many more clients; when an insurance policy would pay, with one premium payment, this act looks more ridiculous.  

Thanks for the forum Barry and we&#039;ll see you at the April 14th webinar.  Take care.
Nancy</description>
		<content:encoded><![CDATA[<p>I am a democrat, and very dismayed by this pathetic attempt at long term coverage by the government.  That I would have to pay for 5 years before I can even file a claim is a joke; however, as I try to see all of these types of things &#8211; a great opportunity.</p>
<p>I have been asked more about ltci recently due to this bill, and I see it as a great opportunity to be able to provide real, true long term care coverage to clients.  I anticipate that as more and more folks see the reality of this CLASS(less) act, we will be seeing many more clients; when an insurance policy would pay, with one premium payment, this act looks more ridiculous.  </p>
<p>Thanks for the forum Barry and we&#8217;ll see you at the April 14th webinar.  Take care.<br />
Nancy</p>
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		<title>Comment on L.A. Times Gets It Wrong Again &#8212; So What Else Is New? by Monte Merken</title>
		<link>http://www.bjfim.com/2010/blog/l-a-times-gets-it-wrong-again-so-what-else-is-new/comment-page-1/#comment-225</link>
		<dc:creator>Monte Merken</dc:creator>
		<pubDate>Fri, 09 Apr 2010 07:10:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.bjfim.com/?p=658#comment-225</guid>
		<description>I am wondering when our &quot;newspaper journalists&quot; will ever be held to account for spreading false information to the public. They obviously evade and misuse the public trust given them in their dissemination of biased reporting via their vehicle in the form of supposedly trusted newspaper publications.

Some years ago I attempted to answer misinformation that was published as it related to variable universal life insurance and its uses as a retirement vehicle supplement when properly implemented. My solid information was never published because it would have made the &quot;noted economic maven journalist&quot; look bad. Interestingly enough had it been published and the information widely utilized many &quot;investors&quot; adversely effected in recent years due to the economic downturn of late would have been in a much more secure position then they are today... Can you say journalistic malpractice?</description>
		<content:encoded><![CDATA[<p>I am wondering when our &#8220;newspaper journalists&#8221; will ever be held to account for spreading false information to the public. They obviously evade and misuse the public trust given them in their dissemination of biased reporting via their vehicle in the form of supposedly trusted newspaper publications.</p>
<p>Some years ago I attempted to answer misinformation that was published as it related to variable universal life insurance and its uses as a retirement vehicle supplement when properly implemented. My solid information was never published because it would have made the &#8220;noted economic maven journalist&#8221; look bad. Interestingly enough had it been published and the information widely utilized many &#8220;investors&#8221; adversely effected in recent years due to the economic downturn of late would have been in a much more secure position then they are today&#8230; Can you say journalistic malpractice?</p>
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		<title>Comment on Opportunity Amidst the Rubble by Barry J. Fisher</title>
		<link>http://www.bjfim.com/2010/blog/new-opportunity/opportunity-amidst-the-rubble/comment-page-1/#comment-171</link>
		<dc:creator>Barry J. Fisher</dc:creator>
		<pubDate>Tue, 23 Mar 2010 20:30:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.bjfim.com/?p=642#comment-171</guid>
		<description>More of us need to labor in the trenches.  Thanks for your kind thought. BJF</description>
		<content:encoded><![CDATA[<p>More of us need to labor in the trenches.  Thanks for your kind thought. BJF</p>
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		<title>Comment on Opportunity Amidst the Rubble by Jeanne Reynolds</title>
		<link>http://www.bjfim.com/2010/blog/new-opportunity/opportunity-amidst-the-rubble/comment-page-1/#comment-170</link>
		<dc:creator>Jeanne Reynolds</dc:creator>
		<pubDate>Tue, 23 Mar 2010 20:05:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.bjfim.com/?p=642#comment-170</guid>
		<description>So where does your name go on the ballot?   Get my vote.</description>
		<content:encoded><![CDATA[<p>So where does your name go on the ballot?   Get my vote.</p>
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		<title>Comment on Does Long-Term Care Planning Fit Into Your Insurance Practice? by Carolyn Shelby</title>
		<link>http://www.bjfim.com/2010/blog/does-long-term-care-planning-fit-into-your-insurance-practice/comment-page-1/#comment-43</link>
		<dc:creator>Carolyn Shelby</dc:creator>
		<pubDate>Mon, 08 Feb 2010 15:40:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.bjfim.com/?p=567#comment-43</guid>
		<description>As always, Barry, you are ahead of the curve.

What a smart, smart man you are.

Carolyn Shelby</description>
		<content:encoded><![CDATA[<p>As always, Barry, you are ahead of the curve.</p>
<p>What a smart, smart man you are.</p>
<p>Carolyn Shelby</p>
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