Long-Term Care Planner discusses LTC planning with you. Fact finder completed on health and family history, finances and existing coverage.
LTC Planner analyzes and contacts multiple insurance carriers for health underwriting, best rates and plans available.
Advisor identifies best strategies (traditional or hybrid LTC product), prepares competitive analysis and performs in-force policy review (if applicable).
Your Long-Term Care Planner schedules a meeting with you for a conference call, screen sharing or video conference. Advisor explains strategies and products available (reviews illustrations, answers questions and adjust numbers for objectives).
Advisor schedules time to complete your application by phone/screen share and submits to carrier.
Long-Term Care Planner ensures the application is processed and health underwritten in a timely fashion. Advisor keeps you updated on progress by email or phone. Underwriting process takes 4 – 8 weeks depending on insurance company and complexity of health history.
Advisor receives underwriting outcome from the carrier (policy issued as quoted, policy issues other than quoted or policy declined) and notifies you of outcome.