Recommended Age Range for LTC

[JJ2713]

JJ, you will buy it when the timing is right tor you, whatever age you are at the time.

Helpful advice: if you own a policy, you will write infinitely more policies for your clients than if you do not own a policy.

Don't view LTC insurance as an action item for your clients.

View LTC planning more as a conversation to have with your clients. Business will flow naturally from conversations.

They also will buy when the timing is right for them to buy.

I said "action" to explain it in the post, but obviously I don't say it like that to a client. That wouldn't work too well.

I do the risk assessment and then talk about the risks. And I lead the conversation eventually towards the solution (LTC insurance, etc.). I also pre-educate them if I can. Like a retirement 101 tutorial.

I want the client to understand why they should implement the solution. That's the best way to get a client. And it's just best for them too. And then you help them move forward and take care of the details.

 

[JJ2713]

JJ, you will buy it when the timing is right tor you, whatever age you are at the time.

Helpful advice: if you own a policy, you will write infinitely more policies for your clients than if you do not own a policy.

I have heard this before.

I have been considering doing so, especially now if I start dealing with younger clients.

 

[ltcadviser]

I have heard this before.

I have been considering doing so, especially now if I start dealing with younger clients.

If you have any questions regarding options for your clients, you may always give me call.

 

[JJ2713]

If you have any questions regarding options for your clients, you may always give me call.

Good to know Jack, you're always helpful.

 

[fun2drum]

I used to sell quite a bit of LTCI 15 years ago before I got into Medicare plans, and I always brought it up to people in their 50's through 70's, but I had a few clients in their 30's and 40's. Why they chose to buy was a family history of LTC and they were afraid of waiting until they were uninsurable to apply. I think that's a wise thing to consider because if they wait until that perfect age then they might just be on oxygen when it's time to apply.