Problem: What if I buy LTCI and don’t need it?

Solution:  Offer clients long-term care coverage that they can be comfortable with.

You’ve probably encountered clients reluctant to purchase a traditional long-term care policy. Aren’t their most common concerns:
• The increasing costs of premiums?
• Buying coverage they may never need?

Helping your clients understand the benefits of the Nationwide® Long-term Care Rider* may ease their fears — particularly worries about affordablility.

Among the benefits of the Nationwide Long-term Care Rider:
• Premiums are stabilized so costs won’t skyrocket over time
• Your clients may cover long-term care costs if they’re needed — or pass a legacy on to loved ones if they’re not
• Because it’s a life insurance policy, claims are paid in full — either to the policy owner or their beneficiary (All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company.)

Also, Nationwide’s LTC benefit rider doesn’t require that your client be in perfect health.  Substandard rates are available for those that may have minor medical problems or less-than-perfect health histories that might result in a “standard” rate class for the life insurance, but a “decline” of the LTC rider as with some other carriers that have an LTC benefit on their life policies. 

Address your clients’ fears of buying long-term care coverage by talking to them about a Nationwide life insurance policy and the Nationwide Long-term Care Rider.  Call Designs In Life Insurance Marketing today for details, materials, illustrations, and authorized forms.

*Available on select permanent, single life insurance products