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Long Term Care Insurance Planning for Clients' Needs

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Long Term Care Insurance Planning for Clients' Needs

Long term care insurance planning involves knowing the detailed information about your clients. Taking the time to determine your clients' specific needs leads to a more valuable policy for your clients.

Asset protection is the one of the main purposes of long term care insurance. Knowing your clients' financial information and asset help you better plan the benefit level a client will need. Some questions to to ask your client includes: What are their assets? Do they have income now and will will it increase or decrease in the future? Are they on a fixed income or planning to be on a fixed income? Are they expecting any additional sources of income such as an inheritance? What will they use to pay out-of-pocket for long term care expenses? Once you know what your clients are trying to protect, you can tailor the policy with sufficient benefit levels and with premiums based on your client's budget and income.

Knowing the health status and health history of your clients is also important in the long term care insurance planning. Long term care insurance quotes are more accurate when you have a good idea of your clients' health status. You don't want lose the sale when policies coming back with higher premiums than what was quoted. As a long term care insurance agent, you should know your client's age, height, weight, current medications, any existing health problems, past health problems. Get a written list of all the medications the clients are on. This will help you get a clearer picture of their health situation. Ask your clients if they have any major health conditions now or in the past, including: heart attacks, strokes, cancer, diabetes, etc. Also ask about the clients' life style. Are they retired or still working? Are they active, etc.?

It is helpful to partner up with a long term care insurance specialist, such as Insurance Planners. We help insurance agents, producers and insurance professionals ensure clients' satisfaction and help you find solutions to the numerous situations that clients presents. Contact us today and partner with us as an independent long term care insurance agent.

 

 

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