Putting A Plan In Place
We know putting a long-term care insurance plan in place can be confusing but it doesn’t have to be. As independent certified long-term care planning specialist, we have more choices and our extensive training and product knowledge means we can help you find the best plan for your situation. Our experience has also taught us that all companies are not created equal. We’ll show you which companies are the top rated and which ones you might want to stay away from. But the best part about our process is that you get to choose. Unlike other companies that work with only one or two plans, we work with nearly all the providers and our allegiance is with you, the client. Here are the basic steps and process you go through to get your custom long-term care plan in place:


1. We Start With A Conversation.

c5a83c_3eb29be08e8b49ab9a4ea94a135cedc1This is where we find out more about you, your situation and who is important to you. We will talk a little about your financial situation, your health and your goals. When you are ready to learn more, we will send you a suitability questionnaire that asks general information like how your assets are positioned, how your family is structured (spouse, kids) and what kind of medications you currently take. With this information, we will be able to narrow down the plans and companies we want to look at so we can focus on those that will work best for your situation.



2. We Get You Some Options

c5a83c_cc2a4e1e3be046e998001ea4f6a393abNext we will set up a time to discuss the various plans and how they will work for your situation. We will discuss the pros and cons of the different type of plans and try to narrow the choices to those plans that best fit with your financial situation and your future goals. After the initial discussion, our team gets to work designing the plans that meet the criteria you laid out for us. Our next discussion usually consists of reviewing the plans and making any adjustments we need to so the plan fits with your financial and personal goals. You then can take all the time you need to review the options and when you are ready, and your questions have be answered, we will move forward on your schedule.



3. We Start The Process

c5a83c_d2395747c4b34696b5bccd23a4edc14fThe application process can usually be done over the phone. Our client coordinator will complete the application and send it to you for your review and signature. Once we have the application back, we will submit it directly to the underwriter and begin the approval process. The underwriting process greatly depends on your age, health and the type of program we are using. Many companies require only a phone interview to be completed with the client while others will request additional medical records from your doctor and may require a face to face interview. The entire process from application can take as little as a couple of weeks and sometimes up to a few months. The longer time frames usually involve issues with getting the complete medical information requested by the underwriters. Rest assured, our team is well aware of what needs to be done and will be working diligently behind the scene to smooth out the process and move things along as quickly as possible. Once the medical review is complete, the policy is completed and delivered to us and we will deliver it directly to you. And you will have a custom plan designed just for you and your specific situation.

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