Even the Most Experienced Insurance Agents Are Often Surprised When People Ignore the Benefits of Long-Term Care Insurance

By Steve Elliott | March 26, 2018 | Comments Off on Even the Most Experienced Insurance Agents Are Often Surprised When People Ignore the Benefits of Long-Term Care Insurance

Insurance brokers and agents have seen many interesting things through the years. A lot of them can attest to how people will attempt to manipulate a policy or cut corners to save a few dollars in the short term. Most people never actually think they will need the benefits of the policy, but when they do, after an accident, injuries, a fire, or some other travesty or tragedy, they are completely surprised that what they had expected to be covered is not covered. When it comes to long-term care, insurance is a great option for people to consider, but few people actually look into this type of policy.

Long-Term Care Insurance Quote San Diego CA - Even the Most Experienced Insurance Agents Are Often Surprised When People Ignore the Benefits of Long-Term Care Insurance

Long-Term Care Insurance Quote San Diego CA – Even the Most Experienced Insurance Agents Are Often Surprised When People Ignore the Benefits of Long-Term Care Insurance

They understand the other ‘major’ insurance policies.

Anyone who drives in the United States is fully aware that automobile insurance is necessary. They may be able to cut corners by skipping class coverage, not taking collision insurance coverage, or only keeping the bare minimum the policy allows. With health insurance being a requirement by law, people today may turn to the cheapest policy with the lowest quote they can find, assuming they will never need any real health care in the coming year.

Some people think about life insurance. They know they are mortal, they know they will die. They want to make sure their spouse, children, and others who depend on them are taken care of when that happens.

There’s also homeowner’s insurance, which is a requirement by mortgage lenders whenever a loan is necessary to pay for it. Then there’s renter’s insurance, which fewer and fewer renters actually look into anymore.

How many people have ever thought about long-term care insurance?

Even though we know we are all mortal, we don’t want to think about the end of our life. We may plan for retirement and those final wishes, but how often do we contemplate the possibility of requiring any type of long-term care?

We don’t envision heading off to work tomorrow and becoming involved in a serious car accident that leaves us in a coma for months and then years of physical therapy before we can finally return to some semblance of normalcy in life. But, those types of accidents happen every day all across the country. Heart attacks, strokes, aneurysms, unexpected surgeries, and other issues also arise.

Long-term care isn’t strictly in the purview of seniors, but these are the individuals who most often turn to some type of long-term needs. It can happen to anyone at any time and long-term care insurance is a great option to help protect assets while also providing optimal care when it’s needed most.

If you or a loved-one are considering Long-Term Care Insurance Quote in San Diego CA, please contact Steve Elliott at Capstone Insurance for an honest discussion about your future and your options. Call today (858) 350-3161.

Steve Elliott
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Posted in Long-Term Care Insurance Policy Information, Long-Term Care Insurance Quote San Diego CA and tagged