|
Additionally, the agent may have a professional designation
such as CLU (Chartered Life
Underwriter), ChFC(Chartered Financial Consultant) or CFP (Certified
Financial Planner). Agents who participate in these organizations and
have one or more of these designations typically adhere to a higher
standard of ethics and education and are more likely to give you high
quality service.
Notice if the agent asks the right questions. Without
knowing your financial circumstances and health status the agent cannot
possibly provide you with the best choices. A competent agent, should
be able to show you what the premium would be from several companies
for benefits that fit your needs and that you can afford.
A good agent will not just sell you a policy but will
be there to help you when you have questions, need to make changes,
or have a claim. Make sure that the agent you are working with has a
good history and track record in providing on-going services to his/her
clients. Don't be shy about asking for references. You can also check
out an agent by going to the Department of Insurance web site at www.insurance.ca.gov
Before the agent leaves you should be provided
with:
1. Outline of coverage
2. Personal Worksheet
3. The Buyer's Guide "Taking Care of Tomorrow"
4. The name, address and phone number of your local HICAP office
You should get these documents even if you don't agree
to buy a policy that day.
Choosing an Insurance Company
An insurance company's financial standing and track record are important
in choosing a long-term care insurance policy. Consumers should consider
the rate increase data included on this web site along with several
other important factors.
Long Term Insurance
| Bluecross Long Term |
California Long Term Insurance
| Kaiser Long Term |
Long Term PPO plans|
Long Term Medical plans | Long
Term Dental Insurance |
Long Term Group
Insurance | Long Term Blueshield
| Long Term Health Insurance
|
Long Term Health
plans | Long Term Health net
| Long Term Pacificare | Long
Term Medical Quote |
Long Term Aetna
PPO plans | Long Term Insurance
Quote | Long Term HMO plans
|
Long Term Life
Insurance | Long Term Dental
plans
|
