Cornerstone: your one-stop shop for unbiased senior care options
Good question. We know you have lots of choices when it comes to protecting yourself and securing your future. Especially these days with the amount of information here on the internet.
In today's marketplace, you really have four options when it comes to getting answers about your insurance and investment needs:
- Use someone that you already do business with.
- Use a captive agent who works for only one particular insurance company.
- Use an "online shop" that does everything over the internet.
- Use a specialist who works on your behalf, not that of any insurance company.
Any of those options can be fine, depending on your situation. But here's what we've found, and what seniors have been telling us:
- You want clear, straightforward answers, not insurance-speak gobbledygook.
- You want to be able to speak to a real, live person, without any pressure to buy.
- You want choices based on unbiased research so you get the right protection for your situation, without overpaying.
Sound about right? Again, you've got those four options above. Real briefly, here's the pros and cons with each option:
- Use a general insurance agent or someone you already do business with. Pro: You're comfortable dealing with this person because you know him or her. Con: Most general agents that deal with auto, home and property and casualty insurance are not specialists in long term care insurance or Medicare supplements.
- Use a long captive agent who works for one particular company. Pro: They probably know that company's products well. Con: Since they only work for one company (like State Farm or Met Life), they're only going to be able to offer you a plan from that one company.
- Use an "online shop" that does everything over the internet. Pro: It can be a good place to get a lot of basic questions answered. Con: You may end up overpaying or getting more coverage than you really need because they aren't asking you all the questions they should. Con: It's often hard to get follow-up questions answered once you buy. Con: You'll rarely talk (or email) with the same person twice.
Which brings us to your last option,
- Use someone who works on your behalf, not that of any insurance company.
Now, we're a little biased because that's what we do. But doesn't it make sense?
Why wouldn't you want a company that specializes in long term care insurance, Medicare supplements, and seniors? A company that advocates on your behalf, not that of any insurance company? And a company that answers all your questions based on unbiased research, then offers you options, with no pressure and no obligation?
See if you even need long term care insurance, and find out more about your options. Please click on "LTCI Answers and Choices" below, browse our site some more, or request your Free Report below, "Securing Your Future: The Straight Facts".