Helping your clients recognize the importance of Long-Term Care insurance (LTCi) can feel like an uphill battle. Many don’t consider how the lack of a plan for extended care could impact their future and their family. However, asking the right questions can spark a meaningful conversation and highlight the need for protection and peace of mind. These three key questions can help you demonstrate why LTCi is an essential part of resilience planning.
Most people haven’t given serious thought to what will happen when they need assistance with everyday tasks—whether it’s dressing, bathing, or simply getting around. Start by asking your clients questions like:
These questions often uncover gaps in their current plan—or reveal they haven’t considered one at all. LTCi bridges this gap, ensuring they retain control over their choices without burdening loved ones. It shifts the focus from “what if” to “what’s next,” enabling them to feel empowered rather than overwhelmed.
Ask your clients:
Hearing “yes” to these questions often opens the door for a deeper conversation. Witnessing the emotional, physical, and financial toll that extended care can take on families is common—and most people don’t want the same scenario for their loved ones. By connecting their personal experiences to the benefits of LTCi, you help them see the value of having a plan that prevents their family from facing the same burdens.
This question often brings the reality of extended care into sharp focus. Many clients assume their health insurance or Medicare will cover long-term care needs, but that’s a myth worth dispelling.
By explaining that an LTCi policy offers the financial resources to secure the care they prefer, you position it as a safeguard for their retirement savings and other assets. Without it, they may face the difficult choice of liquidating assets or depleting savings to cover care costs. LTCi ensures they can afford quality care while preserving their financial legacy.
These three questions are powerful conversation starters, but they’re just the beginning. By weaving them into your discussions, you create an opportunity to educate your clients about the true costs—and risks—of not having a plan for extended care.
It’s not just about having coverage; it’s about building a safety net that provides protection, peace of mind, and choices in times of need. Our team is here to help you navigate these conversations and provide the support you need to guide your clients toward a solution.
Contact us today to discuss how we can help you incorporate LTCi into your clients’ resilience planning strategies. Nothing provides greater peace of mind than knowing a trusted team is ready to help achieve their goals.