Asset Based Long-Term Care (LTC) with Guaranteed Premiums paid for life is here.

Everyone is looking for ways to save, which is why now is a good time to talk to prospective clients about the tax advantages of purchasing LTCi. 

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.

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.

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.

Long-Term Care can be a tough subject. Often times, you have to do a little detective work to ensure your cases are processed through Underwriting quickly.

An LTC insurance policy is only as expensive as you make it. Flexibility in plan design and product features enables this coverage to be available to meet most budgets.

As an agent, it is your job to be thorough when completing the application in order to get your client the best offer available.

Now is the time to start having conversations with your clients about LTC planning, the risk of depending on government programs, and how those programs differ from private LTC insurance.

Long-Term Care Insurance provides the insured with the dignity and independence to choose where they get their care.