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.

Clients receive a guaranteed amount of life insurance. All of which may be used for qualifying long-term care expenses – also, the premium is credited with a guaranteed interest rate, raising the cash value each month.

As an agent, it is your job to be thorough when completing the application in order to get your client the best offer available. The more you can tell the underwriter about your client, the better chance for a positive underwriting outcome.

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.

Adapting your approach to the new market will not only demonstrate that you are responding to changing trends, but will ultimately help to increase your LTC Insurance business.

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

Build momentum and grow your long-term care insurance business without breaking the bank.

Ask these 3 questions to your prospective clients to drive the point home on why having a LTCi policy is so important.

With 70% of people over the age of 65 requiring assistance due to physical or cognitive impairments, and women’s life expectancy being 83.1 years, they have a higher chance of needing long-term care.

For a young professional, you can use a flexible Asset Based solution which allows for affordable premium payments overtime while retaining flexibility.