How many of your clients would consider replacing their existing term coverage with a product that could pay benefits if they were to experience a major health event?
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Accidents are bound to happen, and there are income protection policies geared towards these types of situations.
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The client does not need to convert their entire term policy at once and can make use of multiple partial conversions to help keep premium costs low while providing added flexibility.
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Bring us your difficult cases and let us help you turn them into policies for your clients and commissions for you.
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While nursing homes and assisted living are popular, there is no place like home – 80% of all LTC is provided in the home, either at the home of the person receiving care or at the home of a family member.
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Only 9% of long-term disability claims result from serious accidents. The remaining 91% come from common ailments like back and joint pain, chronic diseases, cancers, depression and pregnancy.
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When analyzing a premium financing option for clients, it is easy to get lost among the variables in play. These include 1) collateral risk, 2) policy performance risk, and 3) interest rate risk.
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Since the future estimated average cost for multiple years of care can be quite high, it’s important that both you and your client don’t view LTC Insurance coverage as an all-or-nothing proposition.
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It is best to be prepared and understand the claims process so you are fully prepared to help your clients put their LTCi policies into action.
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