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Long Term Care
Corporate Long Term Care Presentation (State Life) Individual Long Term Care Presentation (State Life) * Long Term Care Presentation (MetLife) * When viewing the MetLife power point presentations, please click on the page to view all parts of the page and on the arrow below the comments section to advance the page forward or back. Corporate LTC Prospecting Letter (htm) Individual LTC Prospecting Letter (htm)
LTC Proposal Request Page / LTC Printable Proposal Request Form / Underwriting Info Form / Medical/Avocation Forms / Blood / HOS Profiles / Medical Exam Hints / HOME Medicaid is Welfare Why? One of the insurance industries toughest sales today is Long Term Care Insurance....why? Well clients do not believe that they will ever end up in a nursing home and if they do, Medicare and Medicaid will take care of their bills. Guess again. MEDICAID IS WELFARE. I can't say that enough. Who will take care of your client when he/she is in a nursing home or requires 24 hour care in their home. Not the Government and can you expect their children to drop everything in their lives and come running. Not Really!
Understanding Long Term Care and what it will do for you and your client......
Not so fast, say the term lifers. The only reason to have fast life insurance is to replace the lost income of a family member who dies, and then only when the spouse or family is dependent on that income. If you are single with no dependents and no debts fast life insurance . If you are married and your spouse works, you probably do not need fast life insurance, either, assuming your spouse makes enough to support himself or herself. What is Long Term Care?According to the Health Insurance Association of America: "Long Term Care is the kind of assistance you could need if you ever have a chronic illness or disability that lasts a long time and you are unable to care for yourself". "Long Term Care does not refer only to nursing home care. It can be provided in your own home if you need help with activities such as walking, eating or doing chores." Recovery against your estate section of OBRA '93' requires states to recover nursing home and log term care Medicaid expenses from estates of deceased recipients. States can go after any real or personal property.
Transfer the risk of Long Term Care to a Long Term Care Insurance Policy. Protect your assets. Maintain independence. Ability to choose the care. Avoid being a burden on family and friends. Peace of mind.
Remember....Medicaid is Welfare.
Please go to the Long Term Care Proposal Request page to Request a quote.
If your client has an impairment, go to the Underwriting Information Questionnaire and/or the Medical and Avocation page to give us your clients information to present to our underwriters for an informal quote.
800-700-7500 / Fax 781 643-2775
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