How Do YOU Explain Rate Increases?

Awesome idea! I will try to call doi. Hopefully my state provides that Intel

What specifically do you tell prospects about rate increases. I'm not looking for anything fancy, but something you use consistently that gets the sale with few to no further concerns/objections
 
You could say something like, "health insurance and health care costs in general have gone up around 10% per year for the last 50+ years but thanks to Obama, you should have $2,500 more in premiums back in your pocket, which is just enough to cover this here fancy LTC policy!". Then have them sign the LTC app and call it a day....
 
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