About Ramona

Ramona Neal has 34 years of experience in the Life Insurance and Long-Term Care industry with roles in Product Development, Competitive Intelligence, Advanced Sales, Field Sales, and Policy Administration.  She has extensive history in product design and positioning.

Today, Ramona is President, of Living Benefit Review, LLC.  This company provides independent, impartial, competitive intelligence services for LTC insurance solutions:  Hybrid Life/Annuity products, Chronic Illness, Critical Illness, and LTC riders.  Specifically, Ramona provides consultation on the development, design, and pricing, of Hybrid Life/Annuity products to insurers, reinsurers, and other entities.

In November of 2024, Ramona was one of twenty recipients in the U.S. recognized by NAILBA with the ID Twenty Award as a trailblazer for her innovative contributions to help producers sell long-term care.

 Highlights

• Ramona is recognized as an industry subject matter expert on Combination products.  She provides guidance to carriers, firms, and regulators on best practices in positioning these solutions.
• Ramona has spoken at the following industry meetings:  ILTCI, Long Term Care International Forum, Faegre Drinker, One America LTC Summit, LIMRA Supplemental Health, DI/LTC Conference, CLTC Summit, and numerous firm meetings.  Additionally, Ramona was the keynote speaker at the Will G. Farrell Awards.
• She has published numerous articles with news outlets like Life Annuity Specialist, Broker World and also with CLTC.
• Living Benefit Review provides unbiased comparisons of all the combination solutions (product specs, new business, claims, price history).
• LBR also has a benchmarking database for Hybrid Life and Hybrid Annuities with thousands of pricing cells.
• Ramona led the Competitive Intelligence market assessment for delivery of CareMatters to help Nationwide Insurance meet growth and profitability objectives.  Today, CareMatters is the #1 Hybrid Life product in the market.