How Does The Process Work?

Begin your process by scheduling a consultation with our experienced advisor. Understand the intricacies of long-term care insurance, ask questions, and gain clarity on how our solution can fit seamlessly into your life. In the first step you obtain multiple quotes from multiple insurance companies in order to better understand the cost of the insurance for your specific situation. You can receive quotes for products with an annual payment, and products with a single payment. You can investigate the prices of shared products. And you can see the costs associated with having various monthly benefit levels and different benefit periods.

After you have your quote, you move to the second stage. We work with you to create a personalized plan that aligns with your unique needs and financial goals. Tailor your coverage to ensure that every aspect of your care is accounted for. We will work with you to help determine your monthly benefit ($ per month), benefit duration (number of years), and the Inflation rider. We will assist in determining which plan suits your needs: single payment, annual payment, and evaluate shared insurance.

Step 3: Enrollment

We will guide you through the necessary paperwork, making the transition to long-term care insurance seamless and stress-free. This third stage has two parts: an insurance application and a telephone with the insurance company. The application will ask you for your address, etc. as well as ask you some medical questions. You will also sign some forms that allow the insurance company to look at your past medical records. The telephone interview will assess your current physical/mental state and allow the insurance company to ask some follow-up questions based on your application. While the application can be completed relatively quickly and the interview takes around 30 minutes, obtaining the medical records can take around three weeks. So, after you “turn in” your application you will not know the result for about a month.

Step 4: Evaluation

We will help evaluate the offers from the insurance companies. You are under no obligation to buy anything, but you need to evaluate what the insurance company offers. They may give you the insurance at the quoted price, or they may decline you for some reason. This evaluation process usually takes a day or two. If you decide to buy, then you pay the premium by writing a check or have it deducted from your bank account. After the insurance company receives your payment, you are covered, and they will send you their policy.

Step 5. Enjoy Peace of Mind

With your long-term care insurance in place, enjoy the peace of mind that comes with knowing you're prepared for whatever the future may hold.