Bankers Fidelity

Why Bankers Fidelity Short-Term Care (STC)?

If you understand the need for long-term care insurance but find the premiums too expensive, a Short-Term Care Nursing Facility Confinement Policy (B 21702) from Bankers Fidelity may be the solution for your clients.

Regardless of where you receive care – whether it’s a short stay in a nursing facility for rehabilitation or even when receiving care from a licensed Home Health Care agency in your own home – Vantage Recovery has you covered, providing up to 360 days of benefits.

• No Prior Hospitalization Required
  
• Flexible Benefits Tailored to Needs and Budget
  
• Full Restoration of Benefits
  
• Full Benefits Paid for Alzheimer’s Disease
• Guaranteed Renewable

Bankers Fidelity Short-Term Care (Vantage Recovery)

• Select daily benefits up to $300
• Benefit periods of 90, 180, 270 or 360 days. Benefits can begin as early as day 1 or as late as day 21 after nursing home confinement or home health care begins.
• Home Health Care Rider allows you to choose to receive up to 360 days of benefits in either a nursing facility or from a licensed home health care provider, or a combination of both
• Cancer First Occurrence Benefit Rider - receive a lump sum benefit in the event that you receive an Initial Diagnosis of Cancer after the rider has been in effect for 30 days.
• Guaranteed renewable
• Benefits are paid when you are unable to perform any of the two of five Activities of Daily Living and your physician verifies that it is medically necessary for your nursing home stay
• No prior hospitalization required - you may enter the nursing facility directly from your home
• 10% household premium discount for qualified applicants
• Full benefits paid for Alzheimer’s Disease cognitive impairments, including Alzheimer’s Disease, senile dementia and Parkinson’s Disease, are covered the same as any other illness.

Full restoration of benefits - following confinement in a nursing home, and after you have been confinement-free for six consecutive months, 100% of your benefit period is restored. If a Home Health Care Rider is issued, this also applies. Your lifetime maximum benefit is two times the benefit period selected.

Bankers Fidelity Short-Term Care State Availability

The Bankers Fidelity Vantage Recovery – STC is available in all states except AK, CA, CT, DC, FL, KS, KY, ID, MA, MD, MN, ND, NH, NJ, NM, NY, OR, RI, SD, VA, VT, WA, WI.

New to Short-Term Care/Recovery Care Sales?

We are so passionate about Short-Term Care that we created a complete Short-Term Care Training & Marketing Kit. This kit includes a training video playlist, a 22-page e-book guide, and marketing materials.

You can also check out some of the content we've developed about selling Short-Term Care:

• Short-Term Care Insurance FAQs: Sales Tips, Product Info, & Carrier-Specific Answers
• 4 Sales Techniques Every Savvy Insurance Agent Uses
• The Easy Business Most Insurance Agents Are Leaving on the Table
• What to Sell to Clients That Can’t (or Don’t Want to) Pay for Long-Term Care

Plus, watch the STC training video playlist.