10/19/2023 Be Careful of What You Represent: Understanding Chronic Illness Rider Variations on Life Insurance Live Webinar

10/19/2023 Be Careful of What You Represent: Understanding Chronic Illness Rider Variations on Life Insurance Live Webinar at 2-3 PM EST

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Advisors are turning to life insurance to meet their clients’ long-term care insurance needs.

But do they understand the fine distinctions of the rider options?  Often, living benefit riders can lead to only a fraction of the death benefit being eligible for care expenses and sometimes even $0.00.  

This webinar helps advisors understand the differences between the solutions:  Chronic Illness riders (both types), Critical Illness riders, Long-Term care Riders, and Hybrid-Linked Benefit products.  Understanding these nuances will enable you to better meet your client’s needs and appropriately manage their expectations.

In "Be Careful of What You Represent: Understanding Chronic Illness Rider Variations on Life Insurance" with Ramona Neal, you will:

  1. Learn which riders are qualified as long-term care insurance and which are prohibited from being described or marketed as such;
  2. Decode which Riders allow for 100% of the death benefit to be accelerated for care expenses and which do not;
  3. Discover sales applications and client profiles for the different solutions;
  4. Uncover best practices for riders previously sold and currently selling.

This on-demand webinar is a recording of a recent live webinar. Check our WEEKLY REBROADCAST SCHEDULE where there is no need to take the online quiz to receive CE. You may also take this on-demand course any time for 1 hr CFP®, CRC®, and other Continuing Education Credit when you pass the online quiz.

Your presenter is Eric Ludwig, PhD, CFP®.

Ramona Neal, CLU, ChFC, CLTC, REBC


Meet Ramona Neal, CLU, ChFC, CLTC, REBC

Retirement planning experience

Ramona Neal, CLU, ChFC, CLTC, REBC, is President of Living Benefit Review, LLC. This company provides independent, impartial, competitive intelligence services for long-term care combination products: Hybrid products, Chronic Illness, Critical Illness, and LTC riders. She has 30 years of experience in the life insurance industry with roles in field sales, competitive intelligence, advanced sales, and policy administration. She has extensive history helping advisors and wholesalers position insurance products.

Retirement planning thought leadership and expertise

Prior to the insurance industry, Ramona served as an Information Manager in the Ohio Air National Guard where she was awarded the Air Force Achievement Medal. She has her Bachelor of Arts degree from The Ohio State University, in Psychology and Communication. Ramona resides in Columbus, Ohio with her husband and three sons. 

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1 hr CFP®, CRC®, and other CE Credit Reporting

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We will report your CFP® and/or CRC® credit (no additional reporting fee). Please add your ID at checkout. You are responsible for reporting all other certification CE credit.

Over 50 courses are accepted for continuing education (CE) credit for those who have earned the Certified Financial Planner® (CFP®) certification, the International Foundation for Retirement Education’s (InFRE) Certified Retirement Counselor® (CRC®) certification, the College for Financial Planning’s Chartered Retirement Plan Consultant (CRPC) certification, the American College’s designations (ChFC, CLU, RICP), Retirement Management Analyst designation (RMA), ASPPA and other certification or designations.

Retirement CE Sponsor with the CFP Board of Standards

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