Suddenly Her Husband Needed Long Term Care: An LTC Insurance Agent's Poignant Story

It can be instructive to consider not just what long term care insurance professionals recommend, but what they do -- for their own personal protection. A good example is the case of Kim Galatolo, an agent with LTC Financial Partners LLC (LTCFP) -- http://www.ltcfp.com -- one of the nations most experienced long term care insurance agencies. In California, where Galatolo lives and works, the firm is known as LTC Partners & Insurance Services, LLC.

Nearly six years ago, at the urging of a friend, Galagolo joined LTCFP as a recruiter. Soon she learned that more money was to be made in sales, so she took the training and became a certified agent. It wouldn't do, she reasoned, to offer policies to others while she and her husband had none. So her first customers were herself and Michael. The policy she chose had a relatively low monthly premium and covered a defined set of benefits. She wasn't concerned about the policy type because "we really didn't need it, we were too young."

Later a colleague persuaded her to upgrade to a more expensive policy with no limits on what the benefit payments might be used for, and no need to supply claims documentation. The switch made sense to her because, "I imagined myself in the future when I was a doddering, fragile, grey-haired old lady with dementia. Would I really want to work with claims and keep my receipts and figure out where they were? No." Soon she would be very glad of her decision.

Galotolo and her husband were not only relatively young, their health was excellent. "Michael was slender for his age, he had no previous history of anything, he took no drugs, he was active, he was athletic. Both of us were healthy, we ate healthy. We didn't take anything."

About four years later, everything changed. "One day he didn't get up for work...." (View this video for the full story.) ... http://www.ltcfp.com -- A leading impartial source of long term care insurance from multiple carriers.

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Education

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• long term care insurance
• long term care
• health care
• long term care policy
• LTC Financial Partners
• LTCFP
• long term health care