FAQs
- What should the customer know about your pricing (e.g., discounts, fees)?
Insurance is a highly regulated business. This applies to pricing. As brokers, we can shop the companies for you and let you know which one offers the best benefit for premium to fit your needs. We also have access to association discounts that can help to reduce the premium. We can make recommendation as to which benefits are most important and those that can be reduced to make sure the premium is in line with your budget, while retaining the protection you need. In LTCI, Life and DI, it is always recommended to buy when you are young and healthy.
- What is your typical process for working with a new customer?
We usually begin with a phone call anywhere from 10-30 minutes to understand the client's needs, coverage, health etc. We then set an appointment time to meet either in person or by phone to educate on the plan we recommend and shop for coverage. If the client chooses to move forward with an application at that time, we will help them fill out the application and we'll be there every step of the way through underwriting to make sure the client is updated as to where they are in the process.
- What education and/or training do you have that relates to your work?
I have worked in the insurance industry for 10 years. As a licensed agent, I've has spent many years focusing on long term care planning. I am licensed in several states. I am a field underwriter, so I can give you an assessment of the offer that is most likely for you from the insurance companies.