When it comes time for your clients to consider their LTC planning needs, who will they turn to?

• Will they price shop the Internet for the lowest quote?
• Will they settle for whatever their home/auto agent can offer?
• Will they deal with a national telemarketer who doesn’t know them or their specific situation and needs?

As their trusted advisor, you realize the importance for your clients to receive comprehensive information on LTC issues from knowledgeable, experienced, and well-referenced experts. And you now have the opportunity to provide your individual and business clients access to the vital information they need in order to understand the consequences of their choices in LTC planning.

LTCEPP® provides important information on the risks, costs, and, most importantly, the consequences of not planning. The main takeaway for everyone is to ask themselves – “What is my plan to protect my most important asset: my family?”©

The topic of LTC planning tends to generate both questions and anxiety. Making decisions related to this important topic should not be determined in a vacuum, by price alone, or put off until another day. Therein lies the problem; education is the solution.

LTC insurance differs widely in plan design, coverage, and cost. One can choose between cash, reimbursement and hybrid benefit alternatives, varying lengths of coverage, and multiple inflation options, along with numerous riders that may or may not be appropriate.

Along with traditional policy designs, life insurance with LTC riders, annuities, and short-term coverage plans can also provide the much-needed transfer of risk that many clients seek.

Knowing the facts, all of the options, and which ones fit specific needs is key. Therefore, it’s important to consult an expert – someone who is knowledgeable and experienced, and who specializes in this specific type of planning.

As CLTCs (Certified in Long-Term Care Education), our LTC specialists will educate your clients and then help them determine if insurance is appropriate. Then, working with a variety of the top-rated companies in the industry, we can provide them with the best recommendations from an offering of multiple policy designs and affordable options.

With your specific expertise and guidance, together we will work with your clients to design the right plan at the right premium, and fully explain how their coverage will work when they need it the most – at claim time – so there will be no surprises.

LTCEPP®, focusing on education first and foremost, will provide unparalleled value to your clients and their families on a very important topic that is increasingly affecting the lives of millions of Americans.

Suited for both individuals, employer groups, and associations, the core components of our program include seminars, webinars, personal consultations, and informational emails.