long term care insurance sales tool for doctors offices

American Association for Long Term Care Insurance.

“People are most aware of their health while sitting in their doctor’s waiting room” explains Jesse Slome, executive director of the American Association for Long Term Care Insurance.  “That’s the perfect time to create awareness of the importance of long term care insurance planning.  Many medical offices routinely are asked questions related to care and welcome displaying third-party, generic information designed to educate their patients and their families.”

The Association makes available educational brochures that insurance agents can place in the waiting rooms of doctors’ offices and health facilities.  “People are starting to understand that living a long life has consequences including the heightened risk of needing costly long term care,” Slome shares.  “They want to better understand more about long term care insurance and to get the information in a non-confrontational way.”

The Association makes the brochures available in packages of 100 with information on the organization’s website.  Packages sell for $35 each and can be ordered online or by calling the organization at (818) 597-3227.  To see the long term care insurance sales tool for doctors offices visit the Association’s website at www.aaltci.org.

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long term care insurance free guide with savings tips

“The new guide addresses many of the questions commonly asked by consumers,” shares Jesse Slome, executive director of the long term care insurance trade group.    ”Individuals are increasingly aware of the need to think about long term care planning but they want to have an idea of what protection costs and smart strategies for buying the right amount of coverage at the best possible price.”

The guide, originally published in this month’s Kiplinger’s Personal Finance magazine addresses strategies for when to begin planning, options to deal with the risk of rising costs for care and provides examples of ways to save.  “Selecting a 60-day deductible period for your policy will reduce premium costs by nearly 15 percent yearly, while selecting a 90-day deductible provides an even greater savings,” according to Slome.

“One question we are often asked is when is the best age to start looking into long term care insurance,” the expert notes.  “The younger you are the more likely you will qualify for good health discounts as well as obtain lower rates.”  The guide provides industry average costs for buyers from ages 40 up to age 65.

The guide can be read free of charge along with four prior consumer guides offered on the Association’s website at www.aaltci.org/long-term-care-insurance-costs.  No sign-in or personal information is required to read the guide.  For information or to connect with a long term care insurance professional who is a member of the Association, call the organization at (818) 597-3227.

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“The differences can amount to tens and even hundreds of thousands of dollars of future benefits,” declares Jesse Slome, executive director of the American Association for Long Term Care Insurance.  “People wrongly assume these policies are virtually identical when nothing could be further from the truth.”

While asset based long term care insurance products offering a combination of life insurance and long term care benefits have been around for many years, numerous new policies have been or are being introduced Slome acknowledges.  “Roughly 90,000 of these asset based LTC policies were sold in 2012,” Slome reports.  That compares to roughly 330,000 traditional long term care insurance policies.

Slome shared ways to judge if comparing policies is worthwhile.  “If you are married and plan to buy policies for both husband and wife, there can be considerable differences in the future benefit amount from one insurer to the next,” Slome shared.  “Many of these policies today are marketed by financial professionals who only offer one or two policies and are not as familiar with the important differences.”

Future guarantees can vary among different asset based LTC products Slome notes.  “In future years you don’t want to find out that what you thought was guaranteed isn’t,” Slome says.   “All of these small but very important factors make it increasingly important to compare because you only purchase these policies one time.”

The Association compiles a listing of specialists experienced in asset based long term care insurance.  “Few of the insurance professionals who help advise consumers about traditional long term care insurance planning and costs really are knowledgeable about the nuances of these newer asset-based LTC products,” Slome concludes.    To connect with a specialist in this area call the organization at 818-597-3227 or visiting their website.

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