Remember, LTCi ownership is a “long” game. The average age of LTCi purchase is 57; yet, people don’t usually need to file a claim until they’re in their late 70’s or well into their 80’s. People who buy LTCi are realists, willing to plan for a future that’s years away.
Work with an LTCi Specialist
Most LTCi is sold by non-LTCi specialists. The survey says industry wide, only 59% of LTCi applications were approved. This average includes LTCi specialists like me, plus non-specialists. The last time my approval rate was calculated, it was close to 80%, and I suspect that many of my colleagues have comparable approval rates. This means that non-LTCi specialists place far less than 59% of the applications they submit. This is just another reason to work with the pros.
In addition to being more “fluent” in LTCi products, LTCi specialists have a wider range of products to choose from. This means if my client gets declined, I can frequently get them approved elsewhere.
I do not always get copies of correspondence from your LTCi carrier. I count on you to call me with any questions about your LTCi. Please do not tamper with your LTCi policy before you speak with me.
Spreading the Word about LTCi
My qualifications, as well as comprehensive LTC videos, links, and testimonials can be found at www.honeyleveen.com.
The Queen, by Self Proclamation, of Long-Term Care Insurance