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.
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.
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.
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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