Logo, The Long Term Care Specialist 
   Planning for Long Term Care
                  
 August, 2011
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In This Issue
Article Headline
Featured Article
Why Do I Pre-Screen Prospective Clients?  
Photo, Ray Smith
Ray Smith

 

Quick Links...
My Website More about Long Term Care & me
Archive Earlier eNews-letters & articles
AALTCI American Association for Long Term Care Insurance 
Alzheimer's Assoc. Good website for information about Alzheimer's
American Diabetes Assoc. Good information about diabetes
Arthritis Foundation Info on various kinds of arthritis
CLTC Corp. for Long Term Care Certification 
Colorado Division of Insurance Long Term Care section of website 
Medicare The official  Medicare website
Thank you for reading this monthly eNewsletter.  I strive to write useful, easy-reading and interesting articles.  Your feedback, positve or negative, is valued.

Why Do I Pre-Screen Prospective Clients?

Industry-wide, insurance companies decline about 30% of all applications for long term care insurance.  My decline rate is less than 10%.  I know that long term care insurance companies will...  Read More


Does a Long Term Care Insurance Benefit Period Really Matter?

This is a question that comes up with almost every new client...Most long term care insurance policies offer a choice of Benefit Periods.    Read More 

A financial plan that doesn't address how long term care services will be paid for is not a complete financial plan. 
Sincerely,
 Ray Smith
 Raymond Smith, CLU, CLTC, MBA
 The Long Term Care Specialist
 303-699-4172

Raymond Smith, The Long Term Care Specialist, 2011