Asking a few questions leads to a pair of Life with LTC cases

In this week's case study, we have an agent who recently starting using a client questionnaire. By asking questions beyond basic Medicare Supplement coverage, she was able to learn that her prospects, a husband and wife, have concerns about long-term care. They currently have family in a nursing home.

Life with LTC

She also learned that they are able to budget $500 per month ($250 each) to pay for Long-Term Care insurance.

Armed with that knowledge, she proposed Life Insurance with an LTC rider to address their concerns. The agent even shared a Life with LTC post from our website, A question that agents (and clients) often avoid with her clients.

Case Details

Female, Age 67
Rating: Standard Plus (3rd best health rating)
Death Benefit: $117,220
Monthly LTC Benefit: $4,689

Male, Age 65
Rating: Standard Plus (3rd best health rating)
Death Benefit: $103,139
Monthly LTC Benefit: $4,126


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