Getting the Lowdown on Long Term Care Insurance No Longer Laborious Thanks to Tech-Savvy Agents

Long Term Care Insurance Quotes used to require lengthy in-home meetings; now it can be online or by phone and as fast as one, two, three.

AgentThinking about long term care insurance but loathe to schedule a lengthy interview in your home? You may be laboring under an outmoded assumption, that reaching out to an expert is a big deal. That’s no longer the case with a new breed of tech-savvy agents. So says Stana Martin, a long term care insurance specialist with ACSIA Partners LLC, an industry leader.

“Ten years ago,” says Martin, “you made an appointment with an agent who came to your home and spent a fair amount of time with you. And you might have worried about sales pressure. But times have changed.”

Lengthy in-home meetings are still available, Martin reports, but they’re less and less the norm. “Now savvy agents are connected and quick. They work remotely, by phone and screen-sharing, and they stick to the facts, respecting your time.”

Many people assume the old time-consuming, face-to-face practices still prevail, according to Martin, “So they spend hours browsing the internet on their own, when they could get the facts in minutes from someone who knows.”

Martin recommends reaching out in three-steps:

(1) Rule Long Term Care insurance in or rule it out. “Have five minutes?  Just call us we can provide you with facts and figures to make this decision. We ask concise screening questions and can steer you right, and quickly.”

Long-term care insurance isn’t for everyone. Other care solution (such as annuities, critical illness insurance, or life insurance with Long Term Care riders) may be better for your situation. “We will tell you frankly.”

image(2) Ask for competitive quotes. “If Long Term Care insurance is indicated, we go to bat for you,” says Martin. “Good long term care insurance agents don’t offer just one policy choice. They research multiple options from multiple carriers, looking for the best set of benefits at the lowest cost. Then they present the choices to you, in your home if you like, or by PC, phone, and overnight mail.”

(3) Submit an application or say no thanks. Once you receive the recommendations, the ball is in your court. Ask questions, thoroughly understand each policy choice from each carrier, then pick one. Or reject them all. “Saying no is a rational response,” says Martin. “Long term care insurance agents are professionals. They don’t take offense. And if you’re dealing remotely, saying no may be easier.”

If you decide on one of the proposed policies, the agent can help you complete the application. “There’s very little paperwork that you have to do personally,” says Martin. “Good agents handle most of it for you. It’s part of their job.”

“The main point,” says Martin, “is not to put off seeking help because of outmoded assumptions. You’re not committing to anything. All you’re doing is asking for some quick answers.”

Martin is glad to receive inquiries and can handle some personally and refer others to agents throughout the United States.

Stana Martin is a leading long-term care solutions agent serving consumers and organizations in AR, CO, IL, KS, KY, MO, NJ, NM, OH, OK, PA, VA. “We’re glad to help them find the best, most affordable solution for their situation,” Martin says. “In addition to long-term care insurance, today’s options range from critical illness insurance and annuities to life insurance with Long Term Care riders.”

LINKS ABOUT BUYING LONG TERM CARE INSURANCE

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