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Worried about scams? Face to face is bestWhile a person can hand you a scam anywhere, you are much safer when you see him face to face, get his name, license number and the name of a company you can call if you have questions about the legitimacy of the agent. Usually, however, it's simply much easier to say "no" over the phone, or just avoid sending the application in when you have done it through the mail. The truth is those who want quotes over the phone or who want to "get information through the mail" are more often north the face just looking for some sort of excuse not to purchase LTCi.
Finding out if you need it
Once establishing that you may qualify based on your health (remember, the company will still see a doctor's report in most cases), the agent will north face oso ask you about your home and family. Do you have children who would be able and willing to participate in at least part of your care, assuming they outlive you? If you have a lot of stairs in your home, have you made plans to move in with someone or to go to an assisted living facility? Is your spouse already deceased, leaving you to fend for yourself if you need physical help? Are you a disabled veteran who would be on a priority list for a VA nursing home if you should need it. Knowing your precise situation will help the agent to design a plan for you.
The best companies will not send your policy to you in the mail. Instead, the agent will visit you again and will go over your policy, showing you what to do in the event that you should need to start using it. North Face 2 In 1 Jackets This visit is the perfect time to ask any questions that might have occurred to you once the agent left your home. The only other thing you need to do is share your decision with your family. You will find that it is the most thoughtful gift you could ever give them.