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irunwithbulls | Long term care insurance - John Hancock or Genworth? |
Which is a better company to go with, any thoughts? Long term care insurance is so expensive and I don't want to make a wrong decsion, thanks for your help! |
 |
 
cardinal
 |
Are you in luck.....I just attended a Senior Financial Educational Workshop yesterday and Long Term Care insurance happened to be one of the topics.
The instructor (Garry Collins 502-657-6481 or toll-free 866-948-1086) can help you more. He is totally dedicated to serving and educating senior citizens. I do remember Garry mentioning both John Hancock and Genworth as being the two best. Although we didn't talk about premiums, I don't think you can go wrong with either of these.
The info we received was that one of every two people today will have to enter a nursing home. It's sad, just like car insurance, you hope you don't need to use it but you can't be without it. |
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Susan C
 |
Neither. Long Term Care does not have to be as expensive as these two companies make it. They allow financial planners to broker so they are more expensive. One of the leading providers is Bankers Life and Casualty. They do not broker.
Helpful hints: nothing over a 30 day elimination period. Medicare/Insurance only covers about 20 days of SKILLED care. Most brokers don't get this.
Statistic show that you do not need a lifetime plan. These two companies typically quote the cadillac plan for commission reasons only. The statistics show that men need 2 -3 years of care and women 3 -5 years. Do not over insure.
Bankers Life still believes in Customer Service. You will have an Agent that will process all claim paperwork and help your family through the claim, which can be a nightmare. These two companies give you an 800# and a big packet of paperwork in the mail. The person who sells you, never has to deal with you again. No accountability.
They are both good companies that pay their claims eventually however very hard to get the policy to trigger when you need it to if you have their standard 90 day or 180 day elimination period and no one to help you do the claim.
Make sure you get a quote from Bankers Life. If you send me your age, I can quote you a price in your State, just to give you nsurance Companies in the nation and have been doing it for over 60 years. They are trusted in the senior market.
I could never broker for other companies knowing that they believe in over insuring and don't believe in Customer Service.
This does not have to be an expensive proposition. You want a policy that covers the bulk of your care, not too much, and not too little. Get the statistics before you buy |
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derek
|
I like the Genworth policy (especially if you're married and qualify for their spousal discounts).
The Genworth has a VERY nice "high-end" policy with lots of nice features. They also have a less expensive policy that does not include all those bells and whistles.
Either one of those policies is better than no policy at all and they both are very well respected. |
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529s.com
 |
Northwestern Mutual all the way. |
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insuranceguytx
 |
Your best bet is to work with an agent. Read all the fine print and make sure you understand when each policy will pay and when they won't. Both Genworth and John Hancock are good companies with good products. I don't know anything about you so I cannot recommend one over the other.
By the way, Moneyguard also offers a product similar to Golden Rule's product. If you look at one, look at the other.
Yes, LTC insurance is expensive, but if you need care for any length of time, it will save your assets for your spouse or family as well as give YOU the choice over the quality of care you receive and where you receive that care.
Good Luck |
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Dolly
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Try them, they are quite credible in long term care insurance,
"http://www.tkqlhce.com/email-1961891-... |
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BShakey
|
Genworth is better than John Hancock. Broker World magazine has consistently rated State Life's LTC product as the best in the industry (for six consecutive years now).
Also look at Golden Rule's Asset Care series -- it makes the cost much less with their unique concept if you do have some assets to shift to them. If you don't have the assets, you probably don't really need the LTC policy. Golden Rule is now marketed through their new owner OneAmerica. |
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