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Long
Term Care Insurance
Quote Process
Process
to Get an Exact Quote For LTC insurance from AAdvantage Financial
Services
- Send your application to one or more
insurance companies (there is no obligation or commitment by you or
the insurance company. You ARE NOT insured until you have met all of
the requirements of the insurance company and you have put your policy
in force.
- Take a physical exam if required
(insurance company pays for this; usually this exam is required for
life insurance but usually not for long term care). Fast 12 HOURS
before all lab work, blood draw and urinalysis)
- Insurance companies will call you to
ask questions to confirm all information. They may give you a
cognitive evaluation over the telephone or request a personal meeting
to do the same evaluation .
- If you are approved, the insurance
company will issue a policy and assign you a risk classification which
will determine your exact rates for various options (both different
types of policies and various optional riders). If you are not
approved by the first company, I will encourage you to allow me to
send your application to another company(s). As a team, you and I
will seek the best plan for you.
- I will call you for an appointment
to go over the options and see the rates from the insurance
company.
- You may then decide after you have
reviewed the options and the rates if you want the insurance policy,
which options you prefer, and how much coverage(ie, amount of daily
benefits, or face amount of life insurance) you want.
- Any deposit made up to this point is
fully refundable. You may now pay the first premium due and put your
new policy in force.
- Please bear with me and be very
patient. You will be asked personal questions and the process may take
several months since it is dependent upon many factors including your
doctor sending your medical records on a timely basis to the insurance
company(s).
Thank you for allowing me to help you
with this insurance program.
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