Help! I'm a fairly new Jones FA, just starting my second year. I haven't yet sold a LTC product. I'm a little exhausted with all of the insurance options, and each wholesaler promising me that their product is the best. Does anyone have a preference between the Genworth TLC product and the Lincoln Moneyguard for the LTC with the life insurance option? I live in a (really) remote area, so no wholesalers are going to visit me or be there with me for a client appointment. If I'm lucky they will be available over the phone when I have client appointments until I get confident enough to sell on my own.