𝑳𝒐𝒏𝒈-𝑻𝒆𝒓𝒎 𝑪𝒂𝒓𝒆 𝑰𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆 𝑺𝒑𝒆𝒄𝒊𝒂𝒍𝒊𝒔𝒕 | Plan for Care to Live Well | Steadfast Care Planning 🎙 Host | 2022 IBA Hot 100 | Top 10 Women of Distinction Insurance 2022

🌟WHAT I DO

I help protect families, financial plans, care choices, and legacies by planning for one of life’s hardest events - long-term care (LTC) aka extended care. I design unique plans and policies for each individual, family, or employer.

I’m a guide. I don't tell my clients what they should do, rather I listen to their needs, goals, and concerns and give them recommendations. Ultimately, it's up to them to decide.


🌟WHY I DO WHAT I DO

I know the value and importance of planning for the unexpected. 

I saw and experienced the difficult realities of extended care/LTC situations in my family. All of my grandparents needed LTC, but none of them had a written plan or LTC insurance. This put a tremendous amount of financial, physical, and emotional burdens on my family. I was a part-time caregiver to my grandma for a couple of years. If my grandparents had LTC plans and insurance, these situations could have been much less difficult. 

My father-in-law was a dentist and due to an accident lost significant vision and could no longer practice dentistry in his 40s. His individual disability policy provided valuable income for over 20 years to my husband's family! Without that policy, life would have been very difficult.

It’s an honor to be able to come alongside clients and provide compassion and expertise in LTC.


🌟WHAT CAN YOU EXPECT FROM ME? 
✔Compassion
✔Customized solutions
✔Empathy
✔Expertise 
✔Integrity
✔Personal service
✔Reliability

My goal is to build a trusted relationship and be my clients' steadfast insurance guide.

At Steadfast, we provide meaningful protection for the people and possessions most important to our clients.


💻OTHER WAYS TO CONNECT WITH ME:
🔹www.SteadfastAgents.com
🔹Business IG: @steadfastagents
🔹Personal IG: kellyaugs_theltclady
🔹https://www.youtube.com/cSteadfastInsuranceAgency


ABOUT ME
🔹I'm compassionate and passionate. 🤗
🔹My family and Jesus mean the world to me. 💕
🔹My goal is to educate and empower people to make informed decisions. 💡
🔹I love to laugh - Jim Gaffigan is one of my fav comedians. 😂
🔹I enjoy connecting with new people. 🤝
🔹Tea is one of my fav my drinks. ☕
🔹You'll likely find me at a kid's soccer or volleyball game on an evening or weekend. ⚽🏐
🔹I love playing and watching pickleball and tennis - I played collegiate tennis. 🎾
🔹My historic home is a never ending project for us. 🛠
🔹I love sunshine. 🌞

Kelly Augspurger, CLTC®, CSA

Where AI governance, a sloth, accelerated underwriting, and alligator butter all appeared in the same 48 hours - Part 2 of ILTCI - The Intercompany Long Term Care Insurance Conference :


Yes… there was actually a sloth.


Here’s how the final stretch of the conference unfolded:


TUES
Kicked off with a session on AI regulation and governance with Elaine Gibbs, Ann Koppel, and Scott Kosnoff.


The big theme: guardrails matter.


Orgs need clear processes for designing, approving, testing, and monitoring AI tools, along with training and oversight.


One challenge = “human drift.” Even when policies exist, people gradually stop following them unless systems reinforce them.


Next up was Accelerated Underwriting with Chris Klement, Rachel Cabe, Erin McClintock, and Norman Seeman, FLMI, LTCP. 


Claims data and Rx data help carriers determine when medical records are actually needed and some are t even using records. 


QHIN Qualified Health Information Networks) systems can retrieve electronic medical records in about 48 hours.


Currently they can get them about 40–50% of the time, but the expectation is that within a couple of years that number could reach 80%, dramatically speeding up UW.


Another session focused on streamlining claim benefit eligibility decisions with Joan Stear, Katie Johnson, LSW, Lina Lassiter, and Garrett Mills. 


Takeaway: the initial benefit eligibility assessment is a critical step, followed by medical records, caregiver documentation, doctor statements, and claimant interviews.


They also discussed nonforfeiture benefits, restoration of benefits, and situations where clients move directly from home into memory care.


Somewhere in the middle of all that learning…


I found myself standing next to a sloth at Mutual of Omaha’s booth.


Holding it was not allowed, but I got as close as possible. They’re cute in a very… unusual way. And this one had its eye on the corn nearby. 😆


Dinner that evening with Nationwide was served with alligator butter. Also, surprisingly delicious gluten-free rolls.


Great conversations with Allen Gregoire, Tony Massenelli, MBA, CLTC, CBC™, and Joseph Taylor. 


The night wrapped up catching up with Andy and Kerry before heading back. Apparently Andy still hasn’t mastered what to do with his hands in photos. 😂

WED
I stayed for a fascinating a.m. session from the Alzheimer's Association® on emerging developments in brain health, diagnosis, and treatment.


After that I squeezed in one last hour at the pool before heading to the airport.


✈️Rumor was TSA would be a nightmare, but it only took 20 minutes.


When I got home, Adam picked me up appropriately exhausted after several days of being both mom AND dad while I was gone (one kid even got sick).


So a quick shoutout to all the single parents out there.

You are heroes!!


Another great ILTCI in the books.


❓If you attended this year, what session or takeaway stood out most to you?

Kelly Augspurger, CSA, CLTC®, LTCCP®

Long-Term Care Insurance Specialist | Create a plan for care. Fund it. Share it with those you love | TLC for LTC | Steadfast Care Planning 🎙 Host

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Life Professionals, LLC

Life Professionals (LP) is a national distributor of Life Insurance, Annuities and Medicare products. Our strategy is simple --- We help our customers grow their business and strive to help them increase their bottom line! Our extremely competitive portfolio, extensive training programs, sales tools, proprietary lead programs and decades of insurance industry experience are just some of the key reasons why so many organizations and agents have chosen to work with us.

Agent Support | Trainer 

My IUL Training.com

Jason Brown rolled out a training platform for indexed universal life (IUL) insurance in 2017. Originally the training was through educational webinars or "live" training. In April 2020 he launched a separate website to give independent agents and financial advisors the ability to access the training online. That website address is www.MyIULtraining.com

Lead Instructor

Eastern Financial Group

Mr. Jason Brown is the co-owner of Eastern Financial Services, Inc., also known as Eastern Financial Group or "EFG" for short. EFG is an insurance brokerage company that primarily focuses on Life Insurance, Annuities, Long-Term Care solutions and Retirement Planning.  

Jason is a licensed financial professional and has his own book of business, but most of his time is spent operating the firm and supporting independent insurance agents & financial advisors.  

Jason, or Jay, is mostly known for his knowledge and passion for "Indexed" insurance products, Coaching, Marketing, Mentoring and Training. In the summer of 2017, he also created an IUL Training Program for independent agents & financial advisors.

Vice President

Jason Brown has been working with independent insurance agents & financial advisors since 1996. He originally entered the industry through an FMO/IMO located in Ohio. He is proficient in Life Insurance and Annuities.

Jason's primary area of expertise revolves around fixed and "fixed indexed" insurance products. This also includes other types of fixed annuities, Long-Term Care insurance or life insurance products, including whole life.

Jason has a great working knowledge and experience with Income Planning (Annuities), Tax-Free Retirement (IUL's), Infinite Banking Concepts & Debt Elimination (Par Whole Life), Final Expense & Mortgage Protection.

Mr. Brown is extremely passionate about training and supporting other professionals to help them grow their business! He also takes marketing & prospecting very seriously. He's happy to share what he's learned with others. 

Whether you're a licensed agent or advisor that's not satisfied with your current FMO/IMO or perhaps you're seeking out an experienced wholesaler to support you --- connect with Jason!

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