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Declining LTC Coverage

Sometimes clients are not ready to purchase LTC Insurance. For those situations, we have provided a list of common objections and the data which may help move clients to a decision to purchase the coverage they need:

Making the Case for LTC

If the decision is still no, here’s a sample of a Voluntary Waiver of Long-Term Care Coverage. This is a modifiable document you can use as a template for your own waiver. This has been requested by advisors to maintain a record of this option so that family members and others cannot make a challenge that coverage was not offered. It may be important to note for the client that they are not only declining the financial benefits of LTC Insurance coverage but also the ancillary benefits a policy can provide:

  • Coordination of Care
  • Respite Care Costs
  • Bed Reservation at a facility
  • Payment for Supportive Equipment (ex. handrails in the bathroom or a ramp leading into the home, etc.)
  • Caregiver training

Just to name a few.

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Securities offered through IFP Securities, LLC, dba Independent Financial Partners (IFP), member FINRA/SIPC. Investment advice offered through IFP Advisors, LLC, dba Independent Financial Partners (IFP), a Registered Investment Adviser.

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