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Insurance Perspectives
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When you need our help just call, 713-771-7226, 9 to 5 CST M-F
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Thank you for working with us to best serve your clients.

Congratulations on making that "click"!  ​Long term care insurance, for better or worse, continued...

The number one reason agents don't want to sell LTCi is because they have “seen what happens to the premiums”.  Please hear me, it doesn't have to be that way.

Many so called “experts” don’t even seem to know that there are carriers offering coverage with options of
1. Up to lifetime benefits
2. Guaranteed premiums 
for the life of the policy

Yes, you can write a policy without having to worry about apologizing for a rate increase or your clients depleting the “pool” of monthly benefits.  You just need to know what is offered by the carriers.  That's why I am here!
 
And your clients may still be able to deduct some or all of the premiums, even with our guaranteed premium policies. For a guide on the deductibility of Tax-Qualified long term care premiums, Click here.

Make no mistake, the Cost of Extended Health Care is still one of the biggest risks to your client's savings and retirement and you can still help insure some of that risk.  Health care providers are banking on your clients becoming their clients and the costs for extended health care will have to be paid until a person gets well or dies.  Without insurance, that means using savings and then retirement funds to pay for extended health care that health insurance or Medicare doesn't cover.
 
Thankfully, many people still have the opportunity to purchase LTCi, or at the very minimum a home health care policy and use some of the insurance carrier's money instead of 100% of their own to help pay the bills.  The older they get the harder it is to qualify so the time for the conversation and planning is sooner rather than later. I was 49 and my wife was 50 when we bought our policy featuring lifetime benefits and premiums guaranteed to never increase.

 
Let me help you have that conversation with your clients so you can show them what today’s products have to offer.
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