Today, it’s easier than ever to buy clothes, books, food, and any household product or gadget online. But when it comes to financial services and planning, many people ask us, “Is it easy to buy Long Term Care Insurance online?”
The answer? Yes!
At LTC Consumer, we make buying coverage online easy. Screen share and webcam technologies make it feel as though you’re sitting across the table from a LTC planning specialist in the comfort of your own home.
How to Buy Long Term Care Insurance Online
Our team of specialists have years of experience helping clients create a long term care plan and are knowledgeable on the rules and regulations in your state.
Here’s how it works:
1. Get a LTCI Quote
Curious what LTCI coverage costs? Use our online LTCI quoting tool to play with plan designs and find rates for the top LTC insurance carriers. When you work with an LTC Specialist, these plans can be customized to your situation.
2. Schedule an Appointment with a LTC Specialist
After you receive a quote, a specialist will be in touch to schedule a professional long term care planning meeting at a time that’s convenient to you. All you need is access to a phone and computer with internet.
3. Meet Online with a LTC Specialist
During your personal planning meeting, a specialist will ask questions to help determine your long term care planning needs. You’ll meet over the phone and via screen share from the comfort of your own home.
4. Discover Your Options
Our specialists work with you to help find the best carrier fit and focus on customizing solutions to fit your needs and budget. Through an educational planning meeting, a LTC Specialist can guide you in choosing a plan that’s right for you based on your health and financial situation.
5. Submit an Application
After you choose a carrier and plan design, the specialist will help you complete an online application. A portion of the premium may be collected and submitted with the application.
6. Complete Carrier Underwriting
After you submit your application, the insurance carrier or one of their vendors may contact you for underwriting requirements. They may pull your medical records, schedule a phone health interview and/or a face-to-face interview in your home. Be prepared for your scheduled interviews and contact your doctor if you experience delays in releasing your medical records.
If you’re approved for coverage, you’ll receive a policy in the mail and will be billed for any premiums due. Keep your policy in a safe place and tell your immediate family members you bought a long term care policy and where to find your policy information.
Buying Long Term Care Insurance online is the easy way to receive quality long term care planning from experienced professionals across the United States. Get started today with a free LTCI quote.
LTC Consumer is an independent, free online service to help consumers understand what long term care insurance is, how it works, and how to evaluate coverage options. Our mission is to provide an educational, no-pressure resource for learning about long term care planning, with the opportunity to speak with specialists who can help them.