Long-Term Care Advisor — Ai Merchantry™

Description

At Ai Merchantry™, we believe planning for extended care is not just about protecting assets — it’s about protecting dignity, independence, and family legacy. Our Long-Term Care Advisors help families and business owners prepare for the realities of aging, unexpected health challenges, and caregiving needs.

We’re seeking Financial Advisors who want to serve with intention — those who lead with empathy, think strategically, and act with care. This role is ideal for professionals ready to elevate their purpose while being part of something larger than a firm — a movement.

This is a commission-only, entrepreneurial role designed for professionals who want to specialize in long-term care solutions. As part of Ai Merchantry’s fractional family office model, you’ll educate, guide, and empower clients with clarity, compassion, and integrity.

Role Expectations — Long-Term Care Advisor

• Educate Clients — Help families understand the importance of long-term care (LTC), available options, and the financial impact of care needs.

• Design Personalized Solutions — Recommend LTC insurance, hybrid life/LTC products, and linked-benefit strategies that align with client goals.

• Collaborate with Advisors — Partner with Ai Merchantry Financial, IUL, and Retirement Advisors to integrate LTC into holistic planning.

• Conduct Client Reviews — Provide annual plan updates to ensure clients’ LTC strategies evolve with their needs.

• Lead & Support Events — Co-host educational workshops and webinars, including Ai Merchantry’s We-LL Care™ program.

• Manage Applications & Suitability — Ensure all LTC recommendations meet state compliance, carrier standards, and ethical practices.

• Build & Maintain a Book of Business — Take ownership of client relationships, follow-ups, and retention strategies.

• Expand Community Engagement — Connect with elder law attorneys, healthcare professionals, and Centers of Influence (COIs) to create referral opportunities.

Qualifications & Requirements

• Bachelor’s degree preferred; advanced education a plus

• 3–6 years of experience in insurance, retirement planning, or healthcare-related financial planning (preferred)

• Active Life & Health license with LTC partnership certification (where required by state)

• In-depth knowledge of traditional LTC insurance, hybrid LTC/Life, and annuity-linked products

• Familiarity with Medicare, Medicaid planning basics, and elder care considerations a plus

• Proficiency with planning tools such as Asset-Map™, Ensight™, Salesforce, DocuSign, and Microsoft 365

• Strong communication and empathy skills — able to discuss sensitive family planning topics with care

Core Competencies

• Compassionate Education – Explains complex care planning options with empathy and clarity

• Ownership Mentality – Takes responsibility for building and managing a long-term care–focused practice

• Analytical Thinking – Structures LTC policies and hybrid solutions with precision and suitability

• Relationship Building – Develops trust with clients, families, and elder-care professionals

• Clear Communication – Delivers sensitive topics in simple, actionable language

• Ethical Standards – Always acts in the client’s best interest, particularly with vulnerable populations

• Collaboration – Works seamlessly with Ai Merchantry’s advisors, COIs, and partners to deliver holistic solutions

This position description provides a general overview of the expectations and responsibilities of the role. As our business continues to evolve, additional responsibilities may be introduced or adjusted to reflect the dynamic needs of our clients, partners, and advisors. Advisors are expected to embrace flexibility, growth, and innovation as they build their book of business within the Ai Merchantry framework.

Role Structure & Earning Opportunity

This is an independent, commission-only role — ideal for entrepreneurial professionals passionate about helping families prepare for the costs and realities of long-term care.

Your earnings are not capped by a salary — they are determined by your ability to educate clients, design solutions, and build relationships.

As a Long-Term Care Advisor, your income is determined by:

• New LTC policy placements (traditional, hybrid, and linked-benefit products)

• Premium volume and case design (single-pay, multi-pay, or hybrid strategies)

• Annual reviews and retention strategies that generate renewal commissions

• Community engagement and events, including Ai Merchantry’s We-LL Care™ program

• Collaboration with advisors and COIs to integrate LTC into broader planning opportunities

There is no base salary. Compensation is 100% commission-based and directly aligned with your effort, activity, and client trust. Many LTC Advisors generate six-figure income potential within 18–36 months with consistent outreach and service.

🕊 At Ai Merchantry™, your income is more than compensation — it’s a reflection of ownership, compassion, and legacy.

Compensation & Commission Structure — Long-Term Care Advisor

This role is 100% commission-based — designed for entrepreneurial professionals who want to build a book of business by helping families prepare for long-term care needs.

How Compensation Works

• Carrier-Paid Commissions – Compensation is paid directly by long-term care insurance carriers and financial partners, based on product type and premium amount.

• Policy Placement Volume – Income scales with the number of traditional LTC, hybrid life/LTC, and annuity-linked products placed.

• Premium Size & Case Design – Larger premiums, shared-care riders, and asset-based strategies often generate higher commission opportunities.

• Renewal Commissions – Annual client reviews, policy servicing, and ongoing care planning create recurring revenue streams.

• Cross-Selling Opportunities – Collaboration with Ai Merchantry’s Financial, Retirement, and IUL Advisors leads to additional income through holistic planning.

• Event Participation – Co-hosting Ai Merchantry programs such as We-LL Care™ and community LTC workshops often generate warm leads and commissionable opportunities.

Earning Potential

There is no base salary and no income cap. Earnings are directly tied to your effort, consistency, and ability to serve clients with integrity.

Many Long-Term Care Advisors achieve six-figure income potential within 18–36 months, with long-term scalability through referrals, retention, and renewal commissions.

At Ai Merchantry™, you’re not limited by a ceiling — you’re empowered by a platform.

What Determines Your Income? — Long-Term Care Advisor

Your income is uncapped and grows as you educate, guide, and serve families. Earnings are commission-based and directly tied to:

1. Policy Placements & Premium Volume

   • The number of LTC insurance and hybrid products you place, and the premium levels associated with them.

2. Client Retention & Reviews

   • Annual updates and ongoing service strengthen client loyalty and generate renewal commissions.

3. Product Mix & Case Complexity

   • Traditional LTC, hybrid life/LTC, and annuity-linked care products all create varied earning opportunities.

   • Advanced cases (business-owner LTC, shared-care riders, asset-based funding) often yield higher compensation.

4. Event & Program Participation

   • Engagement in Ai Merchantry workshops and We-LL Care™ events produces qualified leads and trust in the community.

5. Centers of Influence

   • Partnerships with elder law attorneys, healthcare providers, and COIs expand opportunities and referrals.

6. Consistency & Compassion

   • Advisors who consistently engage, follow up, and lead with empathy see greater long-term income growth.

🕊 At Ai Merchantry™, your income reflects not only your effort — but the lives and legacies you protect.

Physical Requirements & Work Environment

Ai Merchantry™ is a platform that empowers licensed professionals to build their own book of business while leveraging digital tools, strategic partnerships, and flexible support models.

This is a remote-friendly, commission-only opportunity, allowing advisors to work from a location of their choice. While the majority of tasks can be performed virtually, the role does require:

• The ability to sit for extended periods and use a computer for daily planning and client communication

• Occasional in-person meetings, events, or seminars (as scheduled by you or your team)

• Comfort handling light materials such as marketing kits, iPads, or promotional materials (typically under 15 pounds)

Reasonable accommodations will be made for individuals with disabilities to ensure success in both digital and in-person environments.

U.S. Eligibility Requirements

To engage with Ai Merchantry™ as a licensed financial advisor, applicants must meet the following criteria:

• Must be 18 years of age or older

• Must hold or obtain appropriate state insurance and/or financial licenses

• Must be legally authorized to work in the United States; Ai Merchantry™ may request verification of identity and work authorization in accordance with I-9 and E-Verify standards

• Must be willing to undergo a background check as part of our commitment to professionalism, ethics, and fiduciary integrity

• May be asked to sign a Confidentiality and Non-Solicitation Agreement to protect client relationships and brand standards

What You Can Expect from Us

At Ai Merchantry™, you're not just earning commissions — you're building a business, a legacy, and a community of impact. Here's what sets our platform apart:

• Access to programs like We-LL Care™, Protected Tomorrows™, Asset-Map™, Ensight™, LifeLink™, and GoHighLevel funnels

• Co-branded marketing, workshops, and digital lead funnels to help grow your LTC practice

• Training and mentorship from experienced advisors and specialists

• Community-driven initiatives that align with Ai Merchantry’s values of communication, intentionality, ownership, and balance

• Freedom to build your LTC business your way, backed by the strength of Ai Merchantry’s fractional family office model

At Ai Merchantry™, we don’t promise a job — we invite you to build a practice of purpose.

Our Commitment to Diversity & Inclusion

We believe in the full participation of all professionals in a safe, respectful, and growth-centered environment. Ai Merchantry™ proudly embraces diversity in all its forms and recruits advisors without regard to race, gender identity, age, disability, religion, sexual orientation, veteran status, or any other protected category.

Your values matter here. Your story matters here.

Let’s build something meaningful — together.