In raising the issue of LTC with your clients, you have several alternatives. Alternately, you can refer them to another professional to determine how they will prepare for the LTC risk. Lastly, you can simply raise the issue, acknowledge that you are not an expert and urge them to find a professional to help them deal with the issue. This is a very important distinction that few agents and insurers make. Long Term Care'.
Education is important.
The better educated an agent is, the less likely to err and the better able to defend against false accusations. Such a record helps to demonstrate expertise and establish the sincere effort of the producer in being prepared to do a good job. Education includes knowledge of Medicare, Medicaid, Long Term Care in the sales territory and the LTCI products out on the market. Selection of insurer is also critical. It is important that the producer be able to trust the LTCI company.