LONG TERM CARE 18
California Department of Insurance
Protecting California Consumers
Toll Free 800-927-HELP
Make sure the agent is a member of one or more of many professional
organizations such as:
• AALTCI
- American Association for Long-Term Care Insurance
• CAHU - California
Association of Health Underwriters
• FPA - Financial
Planning Association
• CAIFA -
California Association of Insurance and Financial Advisors
• NAIFA -
National Association of Insurance and Financial Advisors
• PIA - Professional
Insurance Agent
• IBA West
- Independent Broker Association West
• Society of Financial Services Professionals
Additionally, the agent may have a professional designation
such as CLU (Chartered Life Underwriter), ChFC(Chartered Financial
Consultant) or CFP (Certified Financial Planner). Agents who
participate in these organizations and have one or more of
these designations typically adhere to a higher standard of
ethics and education and are more likely to give you high
quality service. Notice if the agent asks the right questions.
Without knowing your financial circumstances and health status
the agent cannot possibly provide you with the best choices.
A competent agent, should be able to show you what the premium
would be from several companies for benefits that fit your
needs and that you can afford. A good agent will not just
sell you a policy but will be there to help you when you have
questions, need to make changes, or have a claim. Make sure
that the agent you are working with has a good history and
track record in providing on-going services to his/her clients.
Don’t be shy about asking for references. You can also check
out an agent by going to the Department of Insurance website
at www.insurance.ca.gov.
Before the agent leaves
you should be provided with:
1) Outline of coverage
2) Personal Worksheet
3) The Buyer’s Guide “Taking Care of Tomorrow”
4)The name, address and phone number of
your local HICAP office You should get these documents even
if you don’t agree to buy a policy that day.
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