long term care insurance
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Choosing a Qualified Long-Term Care Insurance Agent

A long term care insurance agent should be someone you can trust and be open with about your age, health conditions and financial standing.

 

Certified long term care insurance agents

When you choose an insurance agents, the agent should be certified in the state you are in. Certifications are given by your state insurance department or insurance commission. Long term care insurance agents must pass a test given by the state and are usually required to update their cerifications or license.

Agents' qualifications &/ licences can be check at your state insurance departments or your state insurance commission office. Many state insurance departments will also provide this information online. Click here to find your State Department of Insurance.

 

Questions a long term care insurance agent should be asking you

A competent long term care insurance agent should be asking the right questions to determine which long term care insurance product would be best for you.

These questions may include: your current and future financial circumstances, previous and current health status, medications you are taking, and what you hope to gain from the policy. An agent should compare and show you premiums from several quality companies in the range that you can afford. A good agent should present products with premiums that you can afford now and in the future.

 

Good long term care insurance agents

A good long term care insurance agent does not stop services once they have sold you a policy. Good agents will help you with any questions, help you make any changes, and help you make a claim. You can ask for references of past or current clients. The agent should have a good history with clients and have a track record in providing on-going services to clients.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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