Brian F 11
Expert
- 92
Looking for a little advice here.
I searched through the previous posts, etc, and found some info, but I am looking for a little starter help from some of you pro's that care to share!
Here is where I am so far....
I do not purchase LTC Leads or actively market LTC. We focus primarily on Medicare, Health, Life, etc. While consulting with my clients, usually for Medicare ages 65+, it is becoming more and common that I discover they should have already purchased a LTC policy but have not. I am already appointed with carriers that offer LTC but don't just want to throw my customers into just any plan. Many of my customers are elderly widows who are on their own and have no one else but their agent to lean on for advice.
I have lived in the Tampa Bay area of Florida, all of my life. I catch countless stories on the news, year after year, where dirtbag people take advantage or prey on seniors that can't afford to take any hits. After speaking to so many seniors that are in that situation, maybe it has effected me. I take helping seniors SERIOUSLY and personally. I strongly feel like it is my responsibility to get them onto a plan that is good for them and will actually help them, or send them to the right place. I just want to make it clear where I am coming from.
I do not have much experience with LTC, just learning the ropes now. From what I gather, LTC can be provided by the Uncle Sam Care, first depleting assets until they qualify, etc. Or, for those who can afford it, they can buy a LTC Policy.
Questions:
For those who should look into buying a policy, which carriers offer friendly policies to healthy seniors, age 65+? I read in previous posts that Metlife and New York Life are no go's. Who offers good products?
I understand that some customers may be better off seeking out help from an Elder Care Attorney, some may shed assets, and so on. For some it is simply a matter of planning. Is there somewhere that I can find an assessment tool or a planner that can help to determine the better path a customer may take given their individual situation?
Is there perhaps an FMO/MGA that specializes or provides excellent training that you savvy agents prefer?
I have heard more than one person say that "It's always best to consult with an Elder Care attorney". I don't buy that. What's your thoughts on this?
So I was joking about the 'little' part.
Thanks for your time ladies and gentlemen.
Sent from my iPhone using InsForums
I searched through the previous posts, etc, and found some info, but I am looking for a little starter help from some of you pro's that care to share!
Here is where I am so far....
I do not purchase LTC Leads or actively market LTC. We focus primarily on Medicare, Health, Life, etc. While consulting with my clients, usually for Medicare ages 65+, it is becoming more and common that I discover they should have already purchased a LTC policy but have not. I am already appointed with carriers that offer LTC but don't just want to throw my customers into just any plan. Many of my customers are elderly widows who are on their own and have no one else but their agent to lean on for advice.
I have lived in the Tampa Bay area of Florida, all of my life. I catch countless stories on the news, year after year, where dirtbag people take advantage or prey on seniors that can't afford to take any hits. After speaking to so many seniors that are in that situation, maybe it has effected me. I take helping seniors SERIOUSLY and personally. I strongly feel like it is my responsibility to get them onto a plan that is good for them and will actually help them, or send them to the right place. I just want to make it clear where I am coming from.
I do not have much experience with LTC, just learning the ropes now. From what I gather, LTC can be provided by the Uncle Sam Care, first depleting assets until they qualify, etc. Or, for those who can afford it, they can buy a LTC Policy.
Questions:
For those who should look into buying a policy, which carriers offer friendly policies to healthy seniors, age 65+? I read in previous posts that Metlife and New York Life are no go's. Who offers good products?
I understand that some customers may be better off seeking out help from an Elder Care Attorney, some may shed assets, and so on. For some it is simply a matter of planning. Is there somewhere that I can find an assessment tool or a planner that can help to determine the better path a customer may take given their individual situation?
Is there perhaps an FMO/MGA that specializes or provides excellent training that you savvy agents prefer?
I have heard more than one person say that "It's always best to consult with an Elder Care attorney". I don't buy that. What's your thoughts on this?
So I was joking about the 'little' part.
Thanks for your time ladies and gentlemen.
Sent from my iPhone using InsForums