Long Term Care Insurance

For LTC Linked Life & Annuities, please visit jetter.com/ltc-linked-life-annuities.

Why do people buy LTCI?

  • Reduce emotional and physical strain on family members

  • Protect of assets

  • Opportunity to choose where care is received

  • Significant tax advantages with purchase of tax-qualified LTCI (consumers and business owners)

What is the risk?

It's not easy to predict whether LTCI will be needed or project how much will be required. Statistically, most people will need long-term care. LTCI is a way to cover costs involved. For some, care services are required for many years. Considering the current and projected costs of care and the potential impact on family and finances, LTCI can protect against these risks.

What are the statistics?

According to the U.S. Department of Health and Human Services: 

  • Almost 70% of people who reach age 65 will need some type of long-term care service

  • 20% of those people will need it for 5 years or longer

  • Gender is also a consideration; 44% of men reaching age 65 will need long-term care

  • 72% of women reaching age 65 will need some type of care


What certifications are required to sell LTCI?

The requirements for certification vary by state. Most states require an initial 8-hour LTC Continuing Education (CE) course. Once completed, a 4-hour LTC CE refresher course is due every 2 years. For your state’s requirements, please visit webce.com


Is LTCI affordable?

An LTCI plan can be customized for almost any budget. The younger a prospect, the less expensive it will be. Discounts may be available for a preferred health rating, applying with a spouse, or group or association coverage.

Why is health history important to the purchase of LTCI?

People purchase LTCI with dollars but buy it with their health. 


Not everyone can qualify for LTCI. Healthier individuals will have more options and lower premiums. It is highly recommended to complete an underwriting prescreen prior to an application. This will help determine if a client can be considered for coverage and provide an accurate underwriting class for quoting purposes. Anyone formally declined for LTCI could see future effects on their insurability. Declines will show up on MIB records, which insurance carriers use for underwriting decisions.

What does Art Jetter & Company do to support sales?

We have a full team to help you increase your LTCI sales. Our market specialists can provide materials, discuss case designs, and make recommendations, case by case. We have an in-house underwriter to prescreen potential applicants. Once an application is submitted, an assigned case manager will ensure everything is processed efficiently.

Contact our Long Term Care Team

Art Jetter & Company © 2018   For financial professional use only. Not for use with the general public.

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