Carol Kaplowitz is an independent long term care insurance broker with ICA/ICB. She works out of an office in her home, and partners with other agents as an LTCI specialist. In 2005 she was named the top long term care insurance agent in the country by the American Association for Long-Term Care Insurance.
Q: How many phone calls do you make each week to set appointments?
Carol Kaplowitz: On average, 30 to 40.
Q: How old were you when you bought your own LTCI policy?
Q: What’s your personal plan for long term care?
CK: Along with the rest of the public, I hope to stay in my own home. I intend to stay independent. I live near my children, but I don’t want to live with my children. I grew up with two grandmothers living with us, and I don’t want to put my kids in that position.
Q: Which LTCI policy do you sell the most these days, and why?
CK: I’m in New York and selling 75 percent New York state partnership plans, because we have unlimited asset protection. Usually the policies I sell are Genworth or John Hancock.
Q: How many claims have you seen?
CK: At least 200. I have claims coming in about once a week now; that’s because I’ve been in the business about 16 years.
Q: Think back to when you graduated; what did you plan to be back then?
CK: I went to college to teach, and I did for a couple of years, before I had my kids.