Preparation is the key to a successful health interview. You just completed a long-term care application. Before you head out the door, make sure your clients know what happens next. Preparing clients for the underwriting process can go a long way toward ensuring their applications get issued. Why? An interviewer may mistakenly assume confused applicants have cognitive issues that make them uninsurable. In reality, an applicant may simply be distracted or not fully prepared to answer questions about their health, their doctors and their medications. Mutual of Omaha has a handy leave-behind brochure you can use to walk your clients
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There’s no one-size-fits-all long-term care insurance policy. Instead, you and your clients tailor a policy to meet their unique needs. That means they can select from a variety of optional benefits, like an inflation protection rider that allows policy benefits to grow over time. Historically, the cost of long-term care services has increased approximately 5 percent per year, and that trend is expected to continue. Adding an inflation protection rider is a good way to ensure the policy your clients purchase today provides adequate coverage 20 years down the road when they’re likely to need care. Read how it works
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