Long-Term Care Insurance and What A Long-Term Care Specialist Do For You

A long-term care specialist has his clients’ interest at heart. He/she is an independent agent with no ties to one particular carrier or another. The companies all pay the agents the same. The insurance industry is regulated by the State Department of Insurance. No one agent can sell the same plan with the same benefits for a different price.

So, why seek counsel with a Long-Term care specialist?

1. With the counsel of a Long-Term care specialist, you will be able to research the different companies and their plans. The long-term care specialist helps to simplify this research by making it easier to compare the different plans . Every company has something unique to it which may or may not be a benefit for you and your situation.


2. A long-term care specialist will assess if you have the assets to protect as well as comfortably be able to pay the premiums without sacrifice.

3. A long-term care specialist will help you understand the different benefit options and which ones have value for your particular situation.

4. A long-term care specialist will recommend carriers with the highest financial ratings and lowest customer complaints.

5 . A long-term care specialist will ensure you that you understand the carriers’ definition of the activities of daily living (ADLs).

6. A long-term care specialist keeps up with the changes in the law as well as new products that come into the marketplace.

7. A long-term care specialist has additional training and education (LTCP, CLTC).

8. A long-term care specialist is State Partnership Certified.

9. A long-term care specialist does business with top-rated carriers.

10. A long-term care specialist will help design a plan that is customized for you, your lifestyle and financial situation.

Seek the advice from a Long-Term Care Specialist. You will be provided with online quotes from the top carriers. You receive the counseling from the comfort of your own home or office. LongTermCareInsurancePros simplifies your Long-Term Care Planning.

Request your free Ebook on Long-Term Care Planning.