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Simplifying the process of understanding Long Term Care, and helping you decide if Long Term Care insurance is right for you.

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LTC Staff
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on Friday, 16 May 2014
in LTC Insurance

What to Look for in a Long Term Care Insurance Agent

This is a critical part of getting the right Long Term Care policy. A good agent will not only know about the different companies and their policies, he or she will also assess your individual needs, answer all your questions, and provide ongoing service in the future.


Find an agent who:

Represents many top “A” rated companies - Be wary of agents who represent only one company. Benefits, underwriting guidelines and premium rates vary from company to company. Each company has certain “sweet spots” in these areas, which may make a certain plan more appropriate and less expensive than another. Agents who work with many of the better companies will be able to match your needs and budget with the right company and plan.

Specializes in Long Term Care insurance - Unfortunately, many agents selling Long Term Care insurance also sell many different financial and insurance products. They dabble in Long Term Care rather than specialize in it. They will not have the expertise needed in Long Term Care to best advise you about company, policy and benefit selection.

Works with an established agency - Many insurance agents work for themselves and offer no backup or ongoing customer assistance if they change jobs or retire. If this happens with your agent, you will have to deal with the insurance company on your own should a problem arise. Find an agent who works for an agency that has a customer service department, a well-established track record, and serves a large client base. Because the agency must service all its policyholders, even if the agent changes jobs or retires, you will be sure to get help if you ever have a problem with the insurance company.

Cares about your future - Listen carefully. Is your agent just trying to sell you a policy or is he/she listening carefully to assess your needs? Are you partners in considering options for your future Long Term Care needs, or just talking about insurance products? The better an agent understands your personal situation, the better he/she can help you plan for your future Long Term Care needs. This will result in a more accurate premium quote. In addition to financial matters, your agent should be asking you about your medical history, including surgeries, medications, hospitalizations, etc.

If you would like to speak with someone about Long Term Care, please give us a call at 1-800-432-0091 or fill out our online form to request a free rate comparison.



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