Fact Finder/ Needs Analysis

[HuntAssuranceGroup]

I'm an independent who focuses on health and Medicare stuff; however I've had several referrals amd current client show want me to write stand alone LTc. Any thoughts on a needs analysis, form I can Create, survey they circle to help narrow down their interest or help guide me in conversations?

Sent from my iPad using InsForums

 

[ltcadviser]

I usually ask about their income, assets/net worth, debt; expected date of retirement; retirement location; children, location of children, reason for thinking about ltc; personal experiences with ltc, current health, what they want their plan to do for them, ..that's about it, really...i just take notes on a legal pad. Then submit their application.

 

[CALTCAgent]

If they asked you to come write a LTC plan, I'd say they are interested. Maybe you are asking about their interest in particular options ?

 

[Arthur Rudnick]

previously posted by huntassurancegroup

I'm an independent who focuses on health and Medicare stuff

The biggest concern is not about educating your client, it's about educating yourself on LTCi.

If you're new to the product, you're better off finding a LTC specialist and handing off your referral for a split.

 

[ltcadviser]

previously posted by huntassurancegroup



The biggest concern is not about educating your client, it's about educating yourself on LTCi.

If you're new to the product, you're better off finding a LTC specialist and handing off your referral for a split.

I don't necessarily agree, Arthur. LTC is not that hard to navigate.

 

[Arthur Rudnick]

previously posted by ltcadviser

I don't necessarily agree, Arthur. LTC is not that hard to navigate.

It might be Jack for someone who only does "Medicare Stuff"

 

[ltcadviser]

previously posted by ltcadviser



It might be Jack for someone who only does "Medicare Stuff"

Why? Ltci just fills in gap of medicare and medicare supplements. Natural progression of conversation. If Hunt has the relationship, simply needs to continue the conversation with its clientele and continue to work for the client. Not that hard. It is all about health underwriting, anyway.

 

[Arthur Rudnick]

maybe......................
or maybe not.

You know what Jack?
It's Labor day weekend and I'm about to go into labor, so I can't continue this conversation.

Shut it down for the weekend and have a good one.

 

[CALTCAgent]

I don't necessarily agree, Arthur. LTC is not that hard to navigate.

I would think it would be hard for a new person, there may be multpile companies, underwriting, different plan options, budget considerations, partnership plans, maybe a hybrid would make sense ?

I would work with an LTC agent, maybe one that can sell online ?

 

[HuntAssuranceGroup]

I usually ask about their income, assets/net worth, debt; expected date of retirement; retirement location; children, location of children, reason for thinking about ltc; personal experiences with ltc, current health, what they want their plan to do for them, ..that's about it, really...i just take notes on a legal pad. Then submit their application.

Thank you!

Sent from my iPad using InsForums

----------

If they asked you to come write a LTC plan, I'd say they are interested. Maybe you are asking about their interest in particular options ?

Yes, that is correct.

Sent from my iPad using InsForums

----------

previously posted by huntassurancegroup The biggest concern is not about educating your client, it's about educating yourself on LTCi. If you're new to the product, you're better off finding a LTC specialist and handing off your referral for a split.

Great point. One I have debated with myself. Do I become a jack of all or an expert in about 4 lines....health (under 65, over), disability, life
I have some good relationships locally with guys who offer LTC and I've debated just sending to them.

Sent from my iPad using InsForums