The Corporation for
Long-Term Care Certification (CLTCC) believes that
an essential role of any insurance professional is
to create a plan that protects the client's family
and resources from risk, the most serious of which
is an unanticipated death. When this is done correctly
and in collaboration with other professionals, the
sale of product to protect that plan becomes self-evident.
Selling the plan allows you to sell the product.
Long-term care insurance should
be sold the same way. The insurance professional, in collaboration
with other professionals, must be able to put together a plan
that protects the client's family and resources from the devastating
consequences of long-term care. In this matter, the risk is living
too long a life after retirement, which creates the near-certainty
of needing long-term care. The consequences to the financial security
of the insured's family and to his retirement portfolio could
be no less serious than if he had died during working years.
Mission Statement:
To increase the sale of long-term care insurance on the basis
of the same sound and ethical principles that guide the professions
of financial and estate planning. Our
Goals:
1. To give you compelling reasons why you
must start discussing a plan for long-term care with middle-age
clients.
2. To give you the confidence and competence
to put together a plan that deals with the likely consequences
that living a long life and needing care would have for the
insured's family and retirement portfolio. This is done by teaching
that long-term care planning is a profession that requires understanding
of these consequences.
3. To teach you how long-term care insurance
is used to protect that plan.