|
How Do I Choose a Qualified Long-Term Care Insurance
Agent?
Here are some important things to determine about your
prospective agent.
A qualified long-term care insurance agent should be
able to help you sort through the clutter of company and benefit choices.
Much of the decision making process revolves around your age, health
conditions and financial suitability. In order to assist the agent in
finding the best long-term care insurance policy for your needs, you
need to find an agent you can trust and have a candid conversation with
him/her regarding all of these matters.
How do you choose a qualified long-term care
insurance agent?
Make sure the agent is certified to sell long-term
care insurance. This means that he/she has taken two 8-hour certification
courses within the last 24 months. If the agent has been licensed for
less than five years, he or she will have taken an 8-hour certification
course every 12 months. Agents selling the California Partnership policies
will have taken an additional 8 hours of training that allows them to
be a full-service long-term care insurance agent in California. Work
with an agent who represents several companies. One size does not fit
all. If an agent works with only one particular insurance company he
or she may not be able to provide you with the best plan for your unique
needs.
Make sure the agent is a member of one or more of many professional
organizations such as:
. AALTCI - American Association for Long-Term Care
Insurance
. CAHU - California Association of Health Underwriters
. Financial Planning Association
. CAIFA - California Association of Insurance and Financial Advisors
. NAIFA - National Association of Insurance and Financial Advisors
. PIA - Professional Insurance Agent
. IBA West - Independent Broker Association West
. Society of Financial Services Professionals
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
|
