How Do You Get Long Term Care Insurance?

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    David RacichPRO
    Fountain Hills, Arizona
    Basically there are three distribution channels that sell long term care insurance: company direct, career agencies and brokerage firms. Buying direct from the insurance company or a career agency limits the comparison between polices that a consumer needs to have to make an informed decision. Brokerage firms have multiple companies and are generally more neutral in their “selection” process. Many brokerage firms have online portals that display comparison spreadsheets between insurance companies.
     
    Answered on July 23, 2013
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    Scott Bannon
    Independent agent, Scott Bannon, Florida
    If you live in Florida, and some other states, your agent must have a certain certification in order to sell long-term care insurance. When you are looking for an agent make sure they can provide the certification for you to review. Otherwise, you will be wasting your time. The reason I know this is, I live in Florida and I have my long-term care certification.
    Answered on May 5, 2015
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