EXAMPLE AGENT 1:

• Has advertisement in senior publication for inexpensive living trust. Also claims to "specialize" in Long Term Care (LTC) Insurance.
• Note: In business for 5 years. Of the 19 companies listed only 3 are LTC insurance carriers. The first company is good, the second company has given multiple rate increases and takes high-risk conditions often, the third company sells life insurance with a LTC rider, not the most common approach to LTC, but okay in some cases. Continuing Ed only consists of slight LTC background.
• Remarks: Years in business not bad, does not specialize in LTC. Would carry more of the highly rated companies if he or she were looking out for the client. Over half of carriers should be companies that sell LTC.

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