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Long Term Care

Long Term Care

Americans are living longer than ever and many people are under the impression that Medicare or Health Insurance will cover long term care health costs.  Over 40% of Americans over the age of 65 will need to spend some time in a nursing home, adult day care center, or rehab facility.  The risk is great er than most people realize.  Long Term Care is there to protect you, your independence, and your assets.  You cannot wait until you need it to buy it.  

The Need For Long-Term Care Should Be Discussed

Over the past decade, most professionals have come to understand the significance of long-term care and its potential for significant negative impact on a family’s emotional and financial well-being. However, sometimes professionals are uncomfortable discussing the subject of long-term care if they do not fully understand what it is, or more specifically, how long-term care planning works. Also, professionals may not want to risk their credibility by providing inaccurate advice or recommendations on long-term care insurance or other aspects of long term care planning. Understandably, they fear it could impact the confidence and trust their client places in the professional’s current services being offered.


Top Objections to Long Term Care Insurance 

  • I don't need it.  I'm young and healthy.
  • LTC Insurance only covers nursing homes, and I want to stay in my home.
  • It's too expensive and I can't afford it. 
  • I can't depend on it to be there when I need it.

Whatever the myths about Long Term Care may be, it's no secret that the fundamental need for Long Term Care insurance is as strong as ever.  However, conviction and passion for helping your clients protect themselves and their families may not be enough if the myths underlying their objections are not exposed and addressed head on.  





Contact Us:

Insurance Designers of the Southwest Inc.

Carfagno Insurance Services Inc. 

14220 N. Northsight Blvd. Suite #145 

Scottsdale, AZ 85260

Phone - 480-664-4405
Fax – 480-664-4407


Our Philosophy

Insurance Designers of the Southwest Inc. is a full service brokerage agency that strives to provide superior products, service, and sales support to insurance and investment professionals who seek a high quality relationship based on trust, integrity, and sincere interest in mutual success.

Why Choose Us?

  • Collectively we have over 135 years of experience in the insurance industry
  • We offer the most competitive assortment of quality carriers while providing the best service possible from case design to case completion
  • Creative case design with a personal touch
  • We are a Principal member of Insurance Designers of America
  • We value our customers and will work to earn your business