One challenge with presenting the need for long-term care is that it is viewed as a risk, not a certainty.
It’s not that your clients don’t want the coverage, but convincing someone to allocate funds towards something they may never use can be a difficult objection to overcome.
Good news – Asset Based Long-Term Care (LTC) with Guaranteed Premiums paid for life is here.
It allows your clients to use the LTC benefit if needed – and if they don’t, they can leave the death benefit or accumulated value to their estate.
Clients receive a guaranteed amount of life insurance. All of which may be used for qualifying long-term care expenses – also, the premium is credited with a guaranteed interest rate, raising the cash value each month.
With the use of the OneAmerica Care Solutions® Rate Calculator, financial advisors can run a quote for key Asset-Care individuals anywhere, anytime. Plus, get an easy to understand take-home guide for your clients.