““Long Term Care: the Long Term Care: the untapped opportunity”untapped opportunity”

Larry A. Gilbert CLU, ChFC, CASL, CLTC

Regional Sales Manager—Long Term CareNew York Life Insurance Company

November 9, 2007

AgendaAgenda

Who is Larry Gilbert?

What is Long Term Care Insurance?

How does LTCi work?

Client story

Why the insurance business?Why the insurance business?

Background

Careers

Opportunity– Insurance– Long Term Care

What is Long Term Care What is Long Term Care Insurance?Insurance?

HealthInsurance

LongTerm

Disability Insurance

Long TermCare

Insurance

74 5

Asset & incomeAsset & income Asset & income protection Asset & income protection

Car Home Family & kids Wealth (estate issues) Salary Retirement Portfolio

Auto insuranceHomeowners insuranceLife & health insuranceMore life insuranceLong Term Disability insurance

Long Term Care Insurance

Questions to AskQuestions to Ask

Do you know anyone who has needed care at home, in assisted living, or at nursing home?

What impact did that have on their family and finances?

If you live a long life and need care, where would you want to be?

What impact would that have on your family and retirement?

What part of your retirement is allocated to pay for care?

Family Care Schedule (please fill in names before anyone gets sick)

Time Sunday Monday Tuesday Wednesday Thursday Friday Saturday

7:00am Noon

4:00pm 8:00pm Night Shift

What is your Plan?

My Client

Thank You!!Thank You!!