Comments for Barry J. Fisher Paradigm Insurance Marketing http://www.bjfim.com The Go-To Team for Long Term Care Insurance Brokerage Mon, 08 Feb 2010 15:40:19 -0800 http://wordpress.org/?v=2.9.1 hourly 1 Comment on Does Long-Term Care Planning Fit Into Your Insurance Practice? by Carolyn Shelby http://www.bjfim.com/2010/blog/does-long-term-care-planning-fit-into-your-insurance-practice/comment-page-1/#comment-43 Carolyn Shelby Mon, 08 Feb 2010 15:40:19 +0000 http://www.bjfim.com/?p=567#comment-43 As always, Barry, you are ahead of the curve. What a smart, smart man you are. Carolyn Shelby As always, Barry, you are ahead of the curve.

What a smart, smart man you are.

Carolyn Shelby

]]> Comment on Describe The Risk & They Will Buy by henry http://www.bjfim.com/2007/blog/case-studies/describe-the-risk-they-will-buy/comment-page-1/#comment-26 henry Sat, 05 Sep 2009 00:45:31 +0000 http://bjfim.in-the-works.net/?p=211#comment-26 http://www.twintierfinancial.com/the_uncommon_cents/2008/06/term-life.html http://www.twintierfinancial.com/the_uncommon_cents/2008/06/term-life.html

]]> Comment on Orman Gets Her Scarf Caught In the Ringer by Arnie Bernhard, CLU http://www.bjfim.com/2009/blog/news-and-current-events/orman-gets-her-scarf-caught-in-the-ringer/comment-page-1/#comment-3 Arnie Bernhard, CLU Fri, 29 May 2009 10:23:06 +0000 http://bjfim.in-the-works.net/?p=85#comment-3 I'm not surprised to hear of the law suit. What does surprise me is that an agent/broker is not listed or if there was none (direct sale like AARP) that mail fraud was not also charged. I’m not surprised to hear of the law suit. What does surprise me is that an agent/broker is not listed or if there was none (direct sale like AARP) that mail fraud was not also charged.

]]> Comment on The Next Long-Term Care Insurance Fire Sales – Get Your Clients On Board Today! by Sue Wonacott http://www.bjfim.com/2009/blog/new-opportunity/the-next-long-term-care-insurance-fire-sales-%e2%80%93-get-your-clients-on-board-today/comment-page-1/#comment-2 Sue Wonacott Thu, 30 Apr 2009 02:54:59 +0000 http://bjfim.in-the-works.net/?p=89#comment-2 Dear Barry and Susan, I so enjoy learning from both of you. You make a powerful team with your vast knowledge and willingness to help us. The Webinar was great today, just wish I could write even faster than I do. Would love to have written copies of your presentations. Again, thank you, Sue Wonacott Dear Barry and Susan,
I so enjoy learning from both of you. You make a powerful team with your vast knowledge and willingness to help us. The Webinar was great today, just wish I could write even faster than I do. Would love to have written copies of your presentations. Again, thank you, Sue Wonacott

]]> Comment on Q1 2009 in Rearview Mirror as We Race Towards Summer by Barbara McClaskey http://www.bjfim.com/2009/blog/product-reviews/q1-2009-in-rearview-mirror-as-we-race-towards-summer/comment-page-1/#comment-4 Barbara McClaskey Mon, 13 Apr 2009 10:27:28 +0000 http://bjfim.in-the-works.net/?p=94#comment-4 I would like a copy of the carrier rating chart when you have it available. I would like a copy of the carrier rating chart when you have it available.

]]> Comment on Are You Selling Illusory Group Long-Term Care Insurance? by Barry J. Fisher http://www.bjfim.com/2009/blog/product-reviews/are-you-selling-illusory-group-long-term-care-insurance/comment-page-1/#comment-7 Barry J. Fisher Wed, 28 Jan 2009 04:51:48 +0000 http://bjfim.in-the-works.net/?p=98#comment-7 Robert, in response to your questions: 1. You can create classes of employees based on job duties, length of service, hourly vs. salaried,full-time, part-time. Therefore, president, vice-president, supervisors, managers all work as job classes. 2. You don't need an entire census. Just get your BJFIM/Paradigm marketers the cenesus of employees that you wish to offer the plan to based on job class and that can be quoted. We don't need the entire group census for a quote. Sounds like a great group and thanks for your post. Robert, in response to your questions:

1. You can create classes of employees based on job duties, length of service, hourly vs. salaried,full-time, part-time. Therefore, president, vice-president, supervisors, managers all work as job classes.
2. You don’t need an entire census. Just get your BJFIM/Paradigm marketers the cenesus of employees that you wish to offer the plan to based on job class and that can be quoted. We don’t need the entire group census for a quote.

Sounds like a great group and thanks for your post.

]]> Comment on Are You Selling Illusory Group Long-Term Care Insurance? by Robert Lehrer http://www.bjfim.com/2009/blog/product-reviews/are-you-selling-illusory-group-long-term-care-insurance/comment-page-1/#comment-5 Robert Lehrer Tue, 27 Jan 2009 22:25:14 +0000 http://bjfim.in-the-works.net/?p=98#comment-5 Barry, the Prez of a med. group of mine with 45+ employees wants to run his own LTCI through the employer. His idea is to offer each employee LTCI with the employer paying 50% of the premium. He believes that no more than 3 people will apply, thus making it possible for him to offer a group benefit and get his own coverage. In the meantime, it's going to be cumbersome to get his census updated and get LTCI rates for 45 employees. And there's always the risk that more employees will opt for the coverage than he speculated would do so. Then, the whole deal could go up in smoke because it would be too expensive for the employer. Can I carve out just the managers and executives for this offer or would it be discriminatory? Is there a better way for me to go about this? Please advise. Thanks. Rob Barry, the Prez of a med. group of mine with 45+ employees wants to run his own LTCI through the employer. His idea is to offer each employee LTCI with the employer paying 50% of the premium. He believes that no more than 3 people will apply, thus making it possible for him to offer a group benefit and get his own coverage.
In the meantime, it’s going to be cumbersome to get his census updated and get LTCI rates for 45 employees. And there’s always the risk that more employees will opt for the coverage than he speculated would do so. Then, the whole deal could go up in smoke because it would be too expensive for the employer. Can I carve out just the managers and executives for this offer or would it be discriminatory? Is there a better way for me to go about this? Please advise. Thanks. Rob

]]> Comment on Are You Selling Illusory Group Long-Term Care Insurance? by Robert Lehrer http://www.bjfim.com/2009/blog/product-reviews/are-you-selling-illusory-group-long-term-care-insurance/comment-page-1/#comment-6 Robert Lehrer Tue, 27 Jan 2009 22:06:44 +0000 http://bjfim.in-the-works.net/?p=98#comment-6 Barry, after I posted my comment above, I read in your 10/8/2007 blog that Dear Barry: I just read in your Oct. 2007 blog that "Even within a group of only five employees we can create classes for coverage allowing us to maximize benefits for the owners and their spouses while purchasing starter plans for other employees. The flexibility is amazing." Will you please elaborate on what kinds of classes of employees that I can create? Thanks. Rob Barry, after I posted my comment above, I read in your 10/8/2007 blog that Dear Barry:
I just read in your Oct. 2007 blog that “Even within a group of only five employees we can create classes for coverage allowing us to maximize benefits for the owners and their spouses while purchasing starter plans for other employees. The flexibility is amazing.”

Will you please elaborate on what kinds of classes of employees that I can create?

Thanks.
Rob

]]> Comment on When Insurance Is More Important Than Ever by Barry J. Fisher http://www.bjfim.com/2008/blog/case-studies/when-insurance-is-more-important-than-ever/comment-page-1/#comment-9 Barry J. Fisher Thu, 02 Oct 2008 13:35:47 +0000 http://bjfim.in-the-works.net/?p=103#comment-9 Thank you; I'd be happy to discuss the possibilities with you. Barry Thank you; I’d be happy to discuss the possibilities with you.
Barry

]]> Comment on When Insurance Is More Important Than Ever by Rosanne Angel http://www.bjfim.com/2008/blog/case-studies/when-insurance-is-more-important-than-ever/comment-page-1/#comment-8 Rosanne Angel Thu, 02 Oct 2008 13:30:50 +0000 http://bjfim.in-the-works.net/?p=103#comment-8 Barry, Thank you for a great article. I was just discussing this subject last night. Your reasoning regarding insurance companies strength is well taken.(Regulation and reserves). It is an objection that we will all be getting and I think you had the perfect answer. This is probably a great time for an article in the newspaper about LTC. I have many wealthy clients that were going to self-insure. As you know I have always respected your LTC wisdom. We have LTC guild meetings once per month in the Bay area. Would love to have you speak. Let me know if and when you are available. My Best Always, Rosanne Barry,
Thank you for a great article. I was just discussing this subject last night. Your reasoning regarding insurance companies strength is well taken.(Regulation and reserves). It is an objection that we will all be getting and I think you had the perfect answer. This is probably a great time for an article in the newspaper about LTC. I have many wealthy clients that were going to self-insure. As you know I have always respected your LTC wisdom. We have LTC guild meetings once per month in the Bay area. Would love to have you speak. Let me know if and when you are available.
My Best Always,
Rosanne

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