Insurance is insurance, right? WRONG! That’s like going to a podiatrist when you have a sore throat. Sure, they both went to medical school, but they each developed a specialty and expertise in very different fields. The same guidance applies when seeking long term care insurance (LTCi). Most agents who sell LTCi are generalists and not nearly as qualified to successfully get you coverage. It’s best to talk with a long term care insurance specialist.

The annual Millman Long Term Care Insurance Survey is highly respected> This year’s results also support the idea of using a specialist. For example, they report that some financial advisors are less likely to even recommend LTCi coverage to their clients, for fear of a rejected application.

When Working With a Specialist

About 60% of LTCi applications are approved when submitted by generalist insurance agents. This low success rate is mostly due to the agents’ lack of experience in submitting correctly qualified applications. On the other hand, LTCi specialists get about 80% of their submitted applications approved.

According to the data, “… specialist agents can be about five times more effective at getting clients coverage than generalist agents.” Isn’t that an advantage you want?

My own approval rate is over 80%. I’ve specialized in this field for thirty years. I have a deep understanding of the application process and what benefits my clients. I also have access to a wider variety of products, and can customize solutions based on my clients’ needs.

The Professional Advantage

When you’re ready to make the decision to protect your future, be sure you to stack the deck in your favor. A LTCi specialist like me has:

• Access to a wide variety of products and options to choose from.
• A proven success rate for your application approval.
• The ability to match you with the optimal product.
• The experience to accurately explain your coverage and make you confident in your decision.

Click here to request your free, no-obligation quote for long term care insurance.