Well, this wins as the craziest email I have received in the past 23 years. Can’t imagine any agent having time for this guy. If I was a rookie agent 23 years ago I might’ve got sucked in though thinking I had a “lead.” 
Subject: LTC Insurance Policies for Pam/Jim Indiana - 12/08/2020
A. Introduction
We need a Long Term Care (LTC) agent/ brokerage agency to determine our LTC Insurance
needs based upon our current financial circumstances and personal condition.
The fiduciary LTC Insurance Agent/ Broker will prepare the LTC insurance
policy(s) based on this information. The agent will (a) select the best policy, (b) prepare policy quotations,
(c) describe the policy elements and (d) explain why this policy type was selected over other types.
More than one LTC Insurance policy may be needed to meet all LTC Insurance goals.
B. Requested Information about you
Please supply the following LTC information.
1. Personal LTC Agent Information
a. Your LTC Training and work history. Do you have a "CLTC" designation?
b. Years selling LTC Insurance policies. Types LTC policies sold during that period.
c. Number of LTC Insurance policies written per year.
d. How many of your clients are on claim?
e. Which LTC Insurance companies do you sell policies for?
f. How many LTC professionals are located in your office?
g. Do you sell other insurance types besides LTC insurance? (ie., Medicare, etc.)
What other insurance types do you sell?
h. Do you sell other LTC insurance types besides standard LTC insurance? (ie.,State Partnerships, etc.)
What other insurance types do you sell?
2. Companies you Represent
a. What LTC Insurance companies do you " broker" for? Do you sell insurance for companies
that only use "captive" agents? Who are the companies?
b. Are you a "captive broker" and/ or "career agent" for any LTC insurance companies?
Who are the companies?
c. Are you "partnership" certified? Do you sell "chronic illness" life insurance?
d. Do you sell straight non-LTC annuities? Who are the companies?
3. Linked-Benefit LTC Insurance
a. Do you sell "linked-benefit" LTC insurance policies?
b. Who are the linked -benefit LTC companies you are "appointed with"?
4. Will you commit to a sales-free initial consultation?
5. Will you disclose commissions, other compensation, and any potential conflict
of interests with the policies you sell? How are you paid for your services?
6. Are you a fiduciary LTC agent, agency, or brokerage firm?
7. Do you maintain contact with me concerning the LTC policy?
Do you maintain the LTC policies for changes and updates?
Do you help me address possible future claims?
8. Define the information needed for preparing the LTC insurance policies.
The needed LTC information likely includes; (a) personal health information,
(b) personal financial data, and (c) my personal LTC insurance goals.
C. Response to above Information
1. After your email response for the above 8-items is received, I will supply
the information for preparing the LTC policy(s).
a. Is your site secure enough to send and receive my personal financial information?
Should the cell phone or snail mail be used to transfer this sensitive data?
b. If my responses are incomplete, specify the information needed, and send
your cell phone number, and the times I can call you during the week-days.
c. If my reponses are OK, say the information is complete, and send
your cell phone number,and the times I can call you during the week-days.
2. After the LTC information is agreed upon, prepare the LTC policy(s) and send them for review.
I may email or call you with additonal questions to clarify the LTC policy(s) details.
3. The final LTC proposals must address the following LTC issues:
a. Do Pam and I need LTC insurance and why so?
b. Are individual or combined LTC policies best for us?
c. What do the LTC policy(s) cost?
d. What are the LTC policy(s) cash values and when and how is the cash distributed?
e. Are all important LTC issues addressed by the proposals?
Pam and Jim
Subject: LTC Insurance Policies for Pam/Jim Indiana - 12/08/2020
A. Introduction
We need a Long Term Care (LTC) agent/ brokerage agency to determine our LTC Insurance
needs based upon our current financial circumstances and personal condition.
The fiduciary LTC Insurance Agent/ Broker will prepare the LTC insurance
policy(s) based on this information. The agent will (a) select the best policy, (b) prepare policy quotations,
(c) describe the policy elements and (d) explain why this policy type was selected over other types.
More than one LTC Insurance policy may be needed to meet all LTC Insurance goals.
B. Requested Information about you
Please supply the following LTC information.
1. Personal LTC Agent Information
a. Your LTC Training and work history. Do you have a "CLTC" designation?
b. Years selling LTC Insurance policies. Types LTC policies sold during that period.
c. Number of LTC Insurance policies written per year.
d. How many of your clients are on claim?
e. Which LTC Insurance companies do you sell policies for?
f. How many LTC professionals are located in your office?
g. Do you sell other insurance types besides LTC insurance? (ie., Medicare, etc.)
What other insurance types do you sell?
h. Do you sell other LTC insurance types besides standard LTC insurance? (ie.,State Partnerships, etc.)
What other insurance types do you sell?
2. Companies you Represent
a. What LTC Insurance companies do you " broker" for? Do you sell insurance for companies
that only use "captive" agents? Who are the companies?
b. Are you a "captive broker" and/ or "career agent" for any LTC insurance companies?
Who are the companies?
c. Are you "partnership" certified? Do you sell "chronic illness" life insurance?
d. Do you sell straight non-LTC annuities? Who are the companies?
3. Linked-Benefit LTC Insurance
a. Do you sell "linked-benefit" LTC insurance policies?
b. Who are the linked -benefit LTC companies you are "appointed with"?
4. Will you commit to a sales-free initial consultation?
5. Will you disclose commissions, other compensation, and any potential conflict
of interests with the policies you sell? How are you paid for your services?
6. Are you a fiduciary LTC agent, agency, or brokerage firm?
7. Do you maintain contact with me concerning the LTC policy?
Do you maintain the LTC policies for changes and updates?
Do you help me address possible future claims?
8. Define the information needed for preparing the LTC insurance policies.
The needed LTC information likely includes; (a) personal health information,
(b) personal financial data, and (c) my personal LTC insurance goals.
C. Response to above Information
1. After your email response for the above 8-items is received, I will supply
the information for preparing the LTC policy(s).
a. Is your site secure enough to send and receive my personal financial information?
Should the cell phone or snail mail be used to transfer this sensitive data?
b. If my responses are incomplete, specify the information needed, and send
your cell phone number, and the times I can call you during the week-days.
c. If my reponses are OK, say the information is complete, and send
your cell phone number,and the times I can call you during the week-days.
2. After the LTC information is agreed upon, prepare the LTC policy(s) and send them for review.
I may email or call you with additonal questions to clarify the LTC policy(s) details.
3. The final LTC proposals must address the following LTC issues:
a. Do Pam and I need LTC insurance and why so?
b. Are individual or combined LTC policies best for us?
c. What do the LTC policy(s) cost?
d. What are the LTC policy(s) cash values and when and how is the cash distributed?
e. Are all important LTC issues addressed by the proposals?
Pam and Jim
