In this episode, Scott A. Olson, co-founder of LTCShop.com, shares a real client case highlighting what couples should do when one spouse may be uninsurable. He explains how health history affects eligibility and how even minor medical changes can close the window of insurability. Through Brian's story, Scott details the specific policy secured, including growing lifetime benefits and preferred health discounts.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

In this episode, Scott A. Olson shares the story of a healthy couple who were declined for long-term care insurance twice. Kevin was declined due to a single past prescription that most insurers considered uninsurable, while his wife, Kimberly, was approved both times. By working with multiple carriers and finding one with a different underwriting process, Scott secured Kevin a preferred-rate policy with growing benefits, a death benefit, and guaranteed premiums. The story highlights why working with a specialist who represents many companies can make all the difference.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

In this episode, Scott A. Olson uses two client profiles to show how osteoporosis, age, and overall health affect eligibility, policy design, benefits, and premiums. You’ll see how personalized planning led to two very different, but successful, long-term care insurance solutions. The takeaway is clear: the healthier you are when you apply, the more options you have and waiting can be costly.

Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.

Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.

Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/