Working With a Long-Term Care Insurance Agent: What to Expect
A long-term care insurance agent helps you understand your options, compare coverage, and apply. There’s no fee to work with Staying Power; the insurance carrier pays us a commission. A first call takes 30 to 45 minutes with a licensed insurance agent, and there’s no obligation to buy.
Who does what?
The agency is licensed to sell insurance. Staying Power is a licensed insurance agency.
The agent is the licensed individual you work with.
The carrier issues the policy and pays claims. The coverage we offer is issued by Nationwide.
You can verify an agent’s license with your state insurance department. Staying Power’s licenses are listed on our license information page.
How are agents paid?
There’s no fee to work with Staying Power. The insurance carrier pays us a commission.
What happens on the first call?
The call takes 30 to 45 minutes, in three parts:
About you: where you want to live as you age, what matters most, and who’s in the picture
Your options: what care could cost, and ways to fund it
Your strategy: a funding strategy for aging in place, built around you
It helps to have a rough idea of your savings and retirement income, and any coverage you already have. Your spouse or partner is welcome to join.
What happens if you move forward?
You can start an application in the same conversation. Then comes underwriting; see What to Expect in Long-Term Care Insurance Underwriting. After your policy is delivered, there’s a free-look period during which you can return it. In most states it’s 30 days; in some it’s shorter. (NAIC Shopper’s Guide)
What happens after you buy?
We continue to help with your funding strategy, keep your intentions current as things change, and stay with you through the claim.
What should you ask any agent?
Are you licensed in my state?
How are you paid?
Which products do you offer, and who issues them?
What happens when I need to file a claim?
Ready to talk? Start with a few questions.
Related reading: What Happens When You File a Long-Term Care Insurance Claim? and How Much Long-Term Care Insurance Do I Need?.
Frequently asked questions
Do I pay Staying Power anything?
No. The insurance carrier pays us a commission.
Is Staying Power an insurance company?
No. Staying Power is a licensed insurance agency that works with an established national insurance company.
Can my spouse join the call?
Yes. Spouses and partners are welcome.
Get more details about long-term care insurance
Sources
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