Are you looking for instant long term care insurance quotes so you never log off? That’s a good thing but beware of frauds which the Internet happens to be full of.
If you don’t have time to inquire at the office of a licensed long term care insurance (LTCI) agent who represents the major carriers of LTCI policies, consider phoning him to discuss a possible health care plan.
You see, requesting LTCI quotes is the first important step of planning your future health care needs so you have to get in touch not with just any insurance agent. He has to be adept in the subject of long term care (LTC) and he should know exactly how claims for LTCI benefits are addressed by each insurance company.
If you go online and just request quotes from every company which claims to be an expert in LTCI, you could end up being deceived. Worse is the possibility of you forking out money just to get your requested quotes.
Keep in mind that LTCI quotes should be given for free. Should you come across an online company that says they offer no-obligation quotes only to be charged a certain fee upon reaching the bottom part of the online form that you are filling out, leave the website immediately.
Professional LTCI agencies will offer you a wealth of information about LTCI, tips on how to save on premiums, benefit triggers of tax-qualified policies, different LTC settings, and more. They don’t provide a drop down menu that has nothing in it but a sheet of questionnaire which seemingly compels every visitor that drops by to divulge his personal information.
Demand for More Long Term Care Insurance Quotes
You’ll know that you’ve spotted the right LTCI representative or agency if it is capable of providing you LTCI quotes from different carriers.
If you’re wondering why you should fuss over the number of insurance companies that an LTCI agent is affiliated with, there are so many reasons to take into consideration.
Firstly, every carrier has an underwriter who is responsible for the underwriting of each policy that the company sells. This underwriting consists of the buyer’s annual premium which is based on his age and health condition at the time of purchase. It also bears the benefit triggers of his policy.
Now with a single LTCI quote you won’t get the privilege to compare the work of one company’s underwriter with another. By comparing LTCI quotes, you will be able to identify the company which offers affordably priced LTCI policies.
Secondly, you have to know how often a company increases the premium of its sold policies so that you can spare yourself from potentially overspending on the premium. Some companies would implement a premium hike every five years while others six or seven.
Third, not all insurance companies are really who they say they are. Many insurers have received complaints in the past because they became out of reach the moment insured individuals started making claims.
Requesting long term care insurance quotes entails patience and good judgment to ensure you get the best of health care someday at a price that your wallet can afford.
Saab Kemp is a web writer who has written volumes of articles for various industries. Her expertise are on health, finance, business, home and family. Learn more about