WHY IT PAYS TO SHOP

Due to a great deal of standardization in the LTC insurance industry this past decade, there is now a heightened level of competition-among-equals. Most companies tend to carve out a "niche" where they will be at their competitive best. This "niche" is usually determined by the applicant's age, health qualifications, and marital status. Different combinations will produce different results among companies, and no one company is always the most competitive. In fact, it is not unusual to see as much as a 50% spread in premium costs between companies.

That is why research is so important. We have pre-screened the major LTC companies down to what we call our "honor roll;" a total of 10 companies in all. Each of them is an "A" rated, quality company, and any one of them will serve you well. Of these, we will provide you with an "apples-to-apples" comparison of the 3-4 least-expensive options. What that means to you is that we will let the best of the industry compete for your business based on price and features. It is a true side-by-side comparison of equals, without bias. By effectively working with one specialist who can show you everything, you simplify the process and have confidence in your final decision. We truly are your Consultant-Advocate.

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