The American Association for Long-Term Care Insurance provides the following tips to help you get the best rates for your clients.
1. Leverage good health. Insurers will require that you meet certain health qualifications to obtain coverage. Discounts are provided to those in good health and 62 percent of applicants between ages 40-49 qualified in 2009. The percentage drops to 46 percent for ages 50-59 and only 38 percent for ages 60-69. Once obtained, the preferred health discount is not lost when your health changes.