TOP 5 THINGS THAT ANNOY BUYERS OF LTC INSURANCEwww.ltcipartners.com

1. Getting a carrier product brochure as the first step and feeling rushed If the first time someone

learns about LTC Insurance is a carrier product brochure, they are sure to have this type of reaction! People want a conversation and education first and take their time to buy

2. Not discussing options other than LTC insurance The buyer of LTC likes

to be in control, and if options such as self-insurance are a true fit the financial professional should help them make it a great self-insurance plan.

3. Not taking into account a premium budgetNothing is worse than hearing about a great special at a restaurant and then having finding the price is too high. The budget conversation needs to be a primary part of the policy design process for LTC Insurance

4. The underwriting process After someone decides to apply for coverage, the person selling the plan shouldn’t be thinking about the next sale. Instead, that is only one part of the buying process and describing the underwriting process while managing expectations is critical.

5. Never hearing from the person or carrier who sold them againLTC Planning is not a “one-and-done” process – people need to monitor the performance of their LTC plan. Their advisor and carriers should help them with that!