Request an LTC Insurance Consultation
Schedule an initial conversation to discuss whether long-term care insurance may fit your situation.
We will start with what prompted your interest, what you want to protect, and how you would otherwise pay for care. We can also discuss whether your health history may affect the options available.
You do not need to know which type of policy you want or how much coverage to buy.
Andy Stroman, CLTC®
Independent Long-Term Care Insurance Specialist
Who This Consultation Is For
This consultation is for individuals and couples who are:
- Considering long-term care insurance for the first time
- Deciding whether to insure part of the risk or pay for care entirely from personal assets
- Comparing traditional, hybrid, or annuity-based coverage
- Concerned about protecting a spouse, retirement income, investments, or family assets
- Trying to reduce the future caregiving burden on adult children
- Unsure whether a medical condition may affect eligibility
- Reviewing an existing long-term care insurance policy
- Working with a financial advisor who wants an insurance specialist involved
Most people I work with have built meaningful retirement savings and want a clear plan for how future care would be funded.
What We Will Discuss
The purpose of the first conversation is to determine whether a more detailed insurance review makes sense.
We may discuss:
- What prompted you to consider coverage
- What financial or family risk concerns you most
- Where you would prefer to receive care
- The role you would want family members to play
- How you would pay for care without insurance
- Which assets or sources of income you would prefer to protect
- Whether you value guaranteed premiums, maximum care benefits, or remaining value if care is never needed
- Whether health history may limit the available options
I will explain the next step and tell you when insurance does not appear practical or necessary.
What Happens After the Consultation
The next step depends on your goals, finances, health, and current stage of research.
It may involve:
A More Detailed Insurance Review
We gather enough financial and family information to define the amount of risk you are comfortable keeping and the amount you may want to insure.
A Preliminary Health Review
We review medical history, medications, treatment dates, pending procedures, and previous insurance decisions before comparing detailed policies.
A Comparison of Suitable Options
I narrow the market to the policy categories and designs that fit the goal and appear realistic based on health.
Coordination With Your Financial Advisor
Your advisor may need to help evaluate cash flow, taxes, investments, an existing annuity, or the effect of using personal assets for care.
No Further Action
You may decide that self-funding is reasonable, the available coverage is not attractive, or the timing is wrong. The consultation does not obligate you to apply.
What to Have Available
You do not need to prepare a full financial statement or gather medical records.
It helps to know:
- Your age and your spouse’s age
- Your approximate retirement asset range
- Your main sources of retirement income
- Whether you own life insurance or annuities
- Any significant medical conditions or recent treatment
- Whether you have previously applied for long-term care insurance
- The main reason you are considering coverage now
Approximate information is enough for the first conversation.
My Role
I am an independent long-term care insurance specialist.
I help individuals and couples:
- Decide whether insurance belongs in their plan
- Define the portion of the risk they want to keep
- Compare the main policy categories
- Review likely insurability
- Evaluate policy designs and tradeoffs
- Complete the application and underwriting process
- Understand the final offer and issued policy
- Review existing coverage when needed
My work stays focused on insurance. Investment management, legal documents, individualized tax advice, and Medicaid planning belong with the appropriate financial, legal, or tax professional.
I can work with your financial advisor, CPA, or attorney when the insurance decision affects their work.