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Policy Matters



  • ALLiS is live! To-date, 137 advisors have successfully logged in and completed their registration; the beginning to a successful relationship with ALLiS.

    Congratulations to the following 10 advisors randomly selected to receive the newest, coolest high touch, high tech LLIS-branded item: Rocketbook Everlast smart notebook! Look for it in the mail very soon.

    • Chris Baum (Palermo Wealth Management, LLC)
    • Tommy Blackburn (Verus Financial Partners)
    • Kirsten Hollander (Schaefer Financial Management)
    • Bob Maloney (Squam Lakes Financial Advisors, LLC)
    • Kyle McCormick (Harbor Light Planning)
    • Jennifer Metz (Trinity Financial Advisors, LLC)
    • Chris Rhim (Green View Advisors)
    • Bob Stowe (Stowe Financial Planning, LLC)
    • Paul Sydlansky (Lake Road Advisors)
    • Kevin Talty

  • LLIS Insurance Academy registration is open and filling!
    • February 21-23, 2018 in Clearwater Beach, Florida
    • 12 CFP® CE hours applied for
    • Insurance education designed exclusively for fee-only financial advisors
    • Register here
  • Join us for:
    • November 8-11, Alliance of Comprehensive Planners (San Antonio, TX)
    • November 14, LLIS Webinar (Long Term Care Insurance Awareness Month: The Long and Short of LTCi): Register here
    • December 12, LLIS Webinar (End of Year Policy Review): Register here
    • And our 2018 webinar series (coming soon!)
  • Have you had clients ask about "facilities-only LTCi policies"? LLIS does not recommend these types of policies, primarily because most people prefer to spend as much time in their own home as possible. With those policies, that is not an option.
  • Having an accident or chronic illness that causes a disability is another reason for needing long term care1
  • Between ages 40 and 50, on average, 8% of people have a disability that could require long term care services1
  • The 5 I’s of LTCi:
    • Intellectual impairment
    • Immobility
    • Instability
    • Incontinence
    • Iatrogenic drug reactions
  • Here is an LTCi-planning checklist to use with your clients:
  • It's important that your clients don't wait:
    Consider the case of Craig and Allison. In 2012 (before they had consulted a financial advisor), they considered getting LTCi policies. But they didn't. In May 2016, Craig and his advisor wanted quotes for him to get a policy. When Natalie (their LLIS case manager) did the application interview with Craig, he told her that he’s married, but his wife is not applying. Turns out she was recently diagnosed with Parkinson's disease (PD). So she is now uninsurable for LTCi. If they had followed through when they originally thought about getting coverage, they both would have been insured and could have taken advantage of discounts. Now, the one who will almost definitely need special and expensive care does not have coverage. Nearly 25% of Americans over 65 with PD reside in expensive nursing homes (median monthly cost for semi-private room: $7,148; median cost for private room: $8,121. Please encourage your clients to get covered. Learn how to talk to your clients about LTCi.
  • On October 12th, we welcomed a new member to teamLLIS. Please welcome Teadora, Claudia Molina’s new baby girl. Claudia will be back to her marketing and policyholder service role in December.
  • 1Administration on Aging


Term Life Insurance | Low-Load Universal Life (Individual & Survivorship) | No Lapse Guaranteed Univeral Life (Individual & Survivorship) | Long Term Care Insurance | Disability Insurance | Critical Care Insurance | Low-Load Variable Annuity | Immediate and Fixed Annuities | Low-Load Variable Universal Life | Hybrid Life/LTCi | Hybrid Annuity/LTCi

(We recommend low-load permanent life insurance and annuities when possible)

(Not all policy types available in all states)

For a list of current providers, visit the Advisor Tools section of our website and click on "Insurance Companies We Work With".

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