Are You Asking The Right Questions?

Bringing up the subject of Long Term Care Insurance is not always easy, but changes may have happened in your clients’ lives that make this the year to talk about LTC.

The annual financial review is a great time to discuss changes that may have occurred over the past year, and proactively plan in anticipation of events that may impact the success of meeting set goals.

Here are some easy questions to ask your clients to get the conversation started:

• Have you seen or experienced a family member or friend that needed Long Term Care?
• Needing extended care can have a negative impact not only on your financial plan but also your loved ones.  Are you concerned about potentially being in the position of needing care for you or your spouse?
• Should you need care, which asset would you liquidate first?
• If I can show you a better way, would you be interested in learning how you can prepare for this?

Helping your clients realize that planning for an extended health care event with a long term care policy makes sense. In fact, long term care is not getting old or living in a nursing home—it’s about receiving the care you want, when you need it.

An accident or injury can happen at any time.

Proper planning will ensure your clients won’t have to depend solely on family or friends for unpaid care, or spend down most of their assets to qualify for government assistance. The benefits of a long term care policy will help cover the costs of the care.

Long term care insurance provides security to families in the event of an untimely health event. Get the conversation started by asking your clients the right questions at their annual review. As a result, you may discover changes in health or planning opportunities based on anticipated needs.

Make certain your clients have the right LTC plan in place to meet their needs.

Contact us for more information.