Do I Need Disability Insurance? Pt 1

In the world of life and health insurance sales, one product is considered to "undersold" more than others, and that product is disability insurance (DI). Sometimes known as "disability income" coverage, DI is usually sold by agents who work in the worksite or payroll deduction market, such as Aflac, Colonial Life and others who sell benefits in the workplace. These companies typically have a participation minimum, such as 3 or 5 employees having to buy the product, as well as caps as to how much they will pay out.

Then there are agents like myself who work with individual clients, mostly business owners, contract employees or otherwise self-employed people, who don't have access to the previously mentioned companies. Also, many of these people actually have an income that is above average and need higher benefit amounts.

Whether you have access to DI through an employer or not, the question remains: Do you need it? To answer that, we need to ask one more question: Do others depend on your income? Is your income needed to pay the bills, pay off debt, pay for utilities or groceries? Is your family dependent on your income to provide for educational expenses or transportation? 

When I talk to prospective clients I always ask what their number one asset is. They usually say something along the lines of their home, their business or even their car. (One lady told me it was her sparkling personality.) None of those answers was correct. Their number one asset was their ability to earn a living. Without that, they could not pay for the house, or the car or fund their business. 

Our income provides us with the ability to eat, enjoy TV and generally live indoors. I don't know about you, but I enjoy my air conditioning and hot water. 

The premise of DI is clear, but getting a policy can be a little more difficult than life insurance. Both are underwritten on the basis of your age and health, but DI is also underwritten on the basis of the type of work you do and your income. The safer your job, the lower your premium. A real estate agent will generally have a lower rate than a welder. Certain professions are very difficult if not impossible to insure, such as roofers. 

On a sidenote, I once had a client apply for a policy who liked to fly small airplanes. The insurance carrier actually had me complete an additional form for this avocation as I was a bit concerned. After not hearing back for a few days I called the underwriter to get a decision on whether or not the policy would be issued. The nice lady said, "If we were selling life insurance to this guy, I'd be concerned, but with the kind of plane he's flying, I'm not too worried about it." I asked if she thought it was a safe plane and she said, "No, but if he crashes he won't survive to be disabled." 

Sometimes income is verified when the application is taken but I have had occasions when it was verified during a claim. Either way, the insurance carrier will usually ask for a copy of tax returns. This can vary depending on the insurance company. 

In the next post we will look at how much coverage you should look into applying for and a few other nuances of DI. In the meantime, run a quote for yourself. In the upper right corner of this blog is a calculator that will give you a ballpark estimate of what a policy may cost for you. All rates are subject to underwriting, but at least you'll have an idea. Stay healthy and I hope you subscribe and share with your friends. 

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast.

Insurance News and Updates

With Covid looming over us, there have been a spate of changes in the life insurance business. Some companies are suspending sales of certain products while others are thriving. We recently got word of two changes that probably won't affect a lot of consumers but from an agency point of view, we hope it's not a trend.

First, we learned last week that Prudential has decided to suspend the sales of their PruLife UL Protector product. This was a universal life policy with growth based on interest rates, and with rates so low the company states that "we have decided that we can no longer offer UL Protector in a way that provides strong consumer value and prudently supports our business objectives." 

Translated to English, that means that the low interest rates were not sustaining the policy enough, which would have probably led to premium increases that would have made the policy less competitive price wise. Given that there are still potential claims to be paid on "in force" policies, Prudential decided to cut their losses. 

Another recent victim in the insurance industry isn't an insurance carrier, but an ancillary paramed exam business, EMSI. One of the major players in home health exams for insurance companies, the downturn in volume has forced them to shutter their doors, and their website. 

According to a press release, they ceased operations on July 3, 2020 and stated that "COVID-19 has disrupted families, communities, and businesses in our country and around the world. EMSI has become a casualty of these unprecedented times, as the pandemic has severely depressed service volumes. As a result, all company operations ceased on Friday July 3, 2020. We are thankful for all our customers and to EMSI staff and partners for their service to EMSI and its clients."

In recent years, several insurance companies have used less paramed exams due to the cost and have made changes in their underwriting requirements. One of our carriers doesn't require an exam for any of their policies with a face value of under $250,000 for younger applicants. They have also put in a limit for their disability plans. This eliminates a lot of exams, and in turn, overhead. The nurses who work for these companies are usually freelancers and get paid only when they do the tests. Luckily for a few of them, they can contract with various companies at once.

Like I mentioned earlier, in the short term neither of these changes will have an impact on you as a potential buyer. You can still apply great life insurance plans and go through the normal underwriting processes. However, if the current situation with Covid-19 persists, and if economic conditions continue as they are, we will see more changes like these in the insurance business, as well as in the other businesses that are connected. 

One of our jobs at Surf Financial Brokers is to stay on top of these changes so you don't have to. Just as you would want your doctor to stay up-to-date on medical issues, you would want us to be informed as much as possible when it comes to your "financial wellness". We do our homework and know that you want to deal with a professional organization.

If you find this blog helpful, please subscribe and send the link to a friend. And as always, please stay healthy.

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast.

The Ever Changing Covid Landscape

A couple of weeks ago I had a routine follow up visit with my family doctor. Everything was good (thanks for asking!) and our conversation eventually got to Covid. She mentioned that her medical practice had expanded their office hours and was now doing drive up testing on the weekends. "But we can do one on you right now if you want," she said. "I'm pretty sure your insurance will cover it if we do it here in the office."

That sounded good to me and the next thing I know she has what looked like a long cotton swab inserted down my throat. After a slight gag (apparently the sign that I'd had enough) she told me that the results may take a few days. A few days almost turned into a couple of weeks but I eventually found out that I was not infected. 

I was doubly fortunate. First, my results were negative, and given that I live in a designated "hot spot", I had resigned myself to the possibility that I could get the virus. But I was also grateful to have insurance cover the cost of the exam.

Getting a phone call through to this doctor was nearly impossible, so I had to physically drive to their office and ask someone in person for my test results. While there, I asked about the anti-body test that was available at a local blood drive. I had received an email from a local professional organization to come down and donate blood, at which time they would be conducting the anti-body test.

The nice lady, who wasn't my doctor but had access to all of my information, let me know that the anti-body test was not as accurate as previously thought, but more importantly to me, my insurance may not cover the cost. I was under the impression that it would be part of my "donation" of blood, but she looked at me like I was naive. I get that a lot lately.

The second reason I was grateful was that I still have my insurance. Unfortunately, about 5.4 million Americans have lost their medical insurance coverage between February and May of 2020. The nonpartisan consumer advocacy group, Families USA, found that the estimated increase in uninsured workers was 40% higher than the highest previous increase, which occurred during the financial crisis of 2008-2009.  The bottom line of all this is that more people are lacking health insurance that ever before.

As less Americans have health insurance, more are applying for life insurance, especially younger people. Those under 44 years old have posted a 3.9% increase in applications, which may not sound like a lot, but it is when you consider the financial pressure everyone is under. 

Many carriers have tightened up their underwriting procedures during the pandemic, which may be keeping older people from applying for coverage. Or the disparity may be attributed to the way life insurance, as well as over types of coverage, is sold. With companies going to a more digital application process, older folks may not be applying with an agent as they usually would. 

Our agency, Surf Financial Brokers, has tried to make it as easy as possible for everyone to apply for life insurance. People can go to our website and book their own appointment, at which time we give them a call, usually scheduled for 30 minutes, to find out what their needs are and what the budget is.  And if we can find a policy that is a good fit, we can take their application right over the phone. 

Let us know if you need help with your life or disability insurance needs. And as always, stay healthy!

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast.

How To Avoid Using a GoFundMe Page

One of the many faults of our current healthcare system is the dizzying array of deductibles and out-of-pocket expenses that come when we least need them. A few months back I spent nearly a week in the hospital. The total bill was over $80,000 and thankfully my health insurance covered the vast majority of it. However, I still had bills to pay. Yes, my deductible is high and I expected that, but there was also the issue of various health care professionals who were not in my network, as well as my loss of income. 

When the dust settled I was on the hook for around $7000. That's a lot of money, regardless of your income. One option could have been to to call the hospital and the other providers and ask to be put on a payment play. There's nothing like making payments for the next 10 years. Or I could have started a GoFundMe page and asked friends to pay for me.

As an insurance agent, I think a GoFundMe page is a horrible approach, yet many people do it. And not trying to sound political here, but I find it ironic that the people who claim to be against socialized medicine are the ones I know that have gone that route. In other words, the very people who think that we shouldn't have to contribute through taxes to assist those who can't pay their medical bills are asking their friends, neighbors and family members to contribute to their medical bills. 

Some will argue that it's different because they are not being forced to pay into a government plan, but the concept of having to chip in when someone didn't have insurance is generally the same idea. Voluntary or not, having a community of people give "assistance" is still a socialized plan. Or is it? 

Sometimes I have these kinds of thoughts and question if I've thinking in the wrong direction. So I picked up the phone and asked a few people I trust and respect for their thoughts on the matter. A couple of them were also insurance agents who I have known and referred clients to in the past. Another group were local business associates I network with locally. I asked them all the same question without being too specific. And for the record, none of these people were extremely political in one direction or the other.

The question posed was as follows: If someone doesn't have health insurance and starts a GoFundMe page to pay their hospital bill, does asking others to contribute amount to socialized medicine?  For the most part, they all said it did. There was a bit of discussion as to the difference between being forced to pay taxes or "contributing" voluntarily, but the general consensus was, in the words of an attorney friend, "If you're having others pay your bills, you've just become a socialist." 

That all being said, there is another option, and that is to shift the burden to an insurance company. With an affordable supplemental plan, such as a Hospital Indemnity plan, these out-of-pocket costs can be reduced dramatically. These plans pay you, not the doctor or the hospital, and can be used at your discretion. Many are available through work, via payroll deduction, and have saved many a family from financial ruin. 

Don't rely on the kindness of others to cover your bills. I've attended too many fish fries and other fundraisers when there's a need, but it could all be avoided by having proper insurance in place to begin with. If you have a question or would like to start the application process, go to our site and book a phone appointment. We'll be happy to assist you. And as always, stay healthy and safe.

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. 

4 Ways We Are Making Buying Insurance Easier

Buying insurance has always been a hassle for most people. I am fully aware that of the stereotype of the high pressure insurance salesman, pushing the client to spend more "for the family's sake". Life insurance agents are painted as cheesy villains, much like used car sales people. I remember commercials on TV that would mention "no salesman will call on you", which implied that you could get a policy without that horrible person coming to your home.

As an agent who has been in the business for years, I can attest that there are a few bad apples in the business. However, those people generally don't last long. Not working in the interest of the client (and only for a commission) eventually weeds them out. And the vast majority of us are generally doing what we think is in the client's interest. 

With all of that said, and against a backdrop of Covid-19, we at Surf Financial Brokers have taken measures to make purchasing life or disability insurance as easy as possible for you. Here are a few ways we have done this:

1. Our quoting engine in the top right corner of the page. Even though this is from just one of our carriers, it gives you a ballpark of what a policy may cost. You know your budget better than we do. Find out what you can afford and work from there. Whether you are seriously considering purchasing a life or disability policy, or just "kicking the tires", you can figure it out without an agent looking over your shoulder. 
2. Our scheduling calendar. Rather than trade emails back and forth to determine a time to discuss your insurance needs, you can now see what times we have available and schedule a time that works for you. We'll give you a call to discuss your needs and go from there. Our calls rarely last more than 30 minutes. 
3. Phone applications. As mentioned in an earlier post, we can take your application over the phone in most instances. Some of our carriers prefer to do a "drop ticket", in which we get your basic information and they have an underwriter take the rest of your information directly. Either way, you can be in the comfort of your own home or office without having to travel to an insurance office. 
4. Contactless delivery. Several of our insurance companies have now made necessary changes to get you your policy without having an agent have to be there to get signatures. 

One of the few good things the pandemic has brought about was much needed change to an industry that sorely needed it. And to honest, it's made our work easier too. Speaking for myself, I can now spend less time prospecting and more time helping the clients we have. As a result, our clients know that we will be available if needed. That gives them peace of mind knowing that their families' financial security is taken care of, and not wondering if the agent who sold them a policy is still in the business.

We realize that you can get a life or disability policy (we also offer a full line of ancillary products) anywhere, but we hope that by making these minor changes you will decide to give us an opportunity to help you secure your family's needs. 

And as always, stay healthy.

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast.  

My Plan Before Covid Struck

When I wrote my book on sales, "You're Going To Be Great At This!" in 2017, I had a strategy in mind for marketing it. I had been attending my local Toastmasters group for a few years and was working on my speaking skills. While there I met some people who were also aspiring authors and were working on presentation skills to support their books. 

My plan was to use my book, my speaking engagements and my insurance agency to all promote each other. If I spoke, I could mention the book and my agency. When meeting insurance clients, I could mention my book, etc. I could also speak locally to civic and other organizations on insurance topics, hoping to attain to clients, as well as talk up my book. 

Things were starting to happen. I was asked to speak to some new real estate agents about sales, and in my talks I mentioned the book, as well as life and disability insurance. One of the interesting things that happened was that I was enjoying it all. The change was fun and interesting. 

As I mention in the book, the first thing we are selling is ourselves, and I took that thought and ran with it. My agency grew a bit slowly, but steadily. Not only did I get a few more life insurance clients but I also met some agents who wanted to work with me. And I also met some great people along the way who were willing to give me some guidance, which I can always use. 

In a nutshell, I had created a PR firm with one exclusive client - me. 

Then the virus hit and things changed quickly. My insurance business dropped some, but not horribly. Since I typically meet people in coffee shops or their place of work, I just couldn't get out to see people with the quarantine in place.There was interest in some policies since a pandemic was hovering overhead. However the speaking engagements I had booked evaporated.  I was looking forward to doing one in particular, which was ironically at a long term care facility, speaking to a networking group consisting of good people who offer products and/or services to seniors. The people now had a whole new set of problems to deal with and I wasn't on their radar at all.

Taking a good look at the rest of the business community I could see others adapting to the brave new world. More video conferencing would have to happen. "Distancing while selling insurance" became my new mantra. And since I was selling myself, I needed to step up my social media game. More than ever, I was going to have to find more efficient ways to market my book, my insurance practice and my burgeoning speaking business. 

We've had the systems in place to take insurance applications over the phone for years. As a matter of fact, I've done it a handful of times and had no issues. Now I just needed to let people know that this was available as an option. Slowly, people are starting to realize that they can book an appointment with me online and have a good conversation to discuss their needs and budgets.

Using that knowledge, I transferred it to my other businesses. Where I was planning on speaking to a group in person, I can now use Zoom (or another app if needed) to speak to groups. And thankfully my book sales have continued to be steady. 

My hope is that when this is all over and we get back to a sense of normalcy again, I'll be able to get in front of a group, large or small, and give another one of my talks, either discussing insurance products we offer or the sales process. A colleague and good friend said that he thought the Covid situation was going to give us all a "reset" on all businesses, not just insurance sales. We are all having to make changes that may stay with us for a while. That's fine. I'm definitely flexible as long as it works. 

Let me know if you have had to make changes and if they are working. In the meantime, I hope you all have continued success and I look forward to seeing (or hearing) from you soon. And as always, stay healthy!

Chris Castanes is the president of Surf Financial Brokers, as well as a professional speaker helping sales people be more productive and efficient.

Covid-19 and Disability Insurance

As the pandemic continues to work its way across the country, there is a lot of uncertainty. But one thing is for sure and that is that people who have disability insurance (DI) in place, whether through their employer or bought as an individual plan, are grateful to have it right now. And I don't think any of our clients will be cancelling their coverage any time soon.

More than ever Americans are learning how valuable their DI plan is. In a recent conversation with a local business owner, she asked me if I would prefer short or long term disability during a time like this. Not trying to sound trite, I said it would be best to have both. This is because the Coronavirus can put you in the hospital for a few weeks, and short term DI is good for that, but other ailments may not be getting treated in the meantime. Elective surgeries can be postponed, leaving people out of work for longer amounts of time. 

One thing to be aware of is that if your employer is offering to pay for your DI coverage, that benefit can be subject to income tax. And if that benefit is around 60-65% of your income (which is close to your take home pay), expect to get another haircut from Uncle Sam. In the same vein, if your company offers a Section 125 plan, in which you can have the premiums deducted "pre-tax", again you may be subject to taxes. 

On the other side of things are the people who have to get their own individual policies. This makes up the vast majority of my clients, who are business owners, self-employed realtors or other contract employees. Generally speaking, the people who purchase their own DI are cognizant of why they need this protection. If they can't work, they can't pay their bills. For a affordable premium, these folk can shift the onus to an insurance company. 

Since these entrepreneurs are in different fields of work, from barbers to realtors to attorneys, they all have differing risk factors with their jobs. But the one thing they all have in common is that they have to work with other people who may or may not be contagious. 

As I watch our local news, I see that restaurants are closing temporarily as employees begin to test positive. I applaud them for being proactive and taking action. But if that is your co-worker, how confident or nervous does it make you knowing that you could be out of work due to the virus?

In the upper right of this page you can run your own quote (it's an estimate subject to underwriting) for disability insurance. It only takes a few minutes so check it out. You may be surprised as to how affordable it really is. 

If you have any questions about our DI plans, or any other plans we offer, feel free to drop us a confidential message from our website. We will respond promptly. And as always, please stay healthy. 

Chris Castanes is the president of Surf Financial Brokers, as well as a professional speaker helping sales people be more productive and efficient.

What's A Fact Finder?

There are two types of sales - transactional and relationship based. When you go to the store and buy groceries, you pick out what you want, take it to the cashier and pay. No one asks you about your dietary restrictions or who else is going to eat dinner or what your grocery budget is. It's a pure transaction. Some would even go so far as to call this sales person an "order taker". 

A relationship based sale is different. No, there isn't a real "relationship" involved, but the seller will ask questions. And if they are worth their salt, the sales person will drill down for more information. This is where a great tool, the fact finder, comes in handy. 

In my 35+ years in sales I've seen people who do both. When I first broke into the insurance business, we sold accident plans door-to-door. There weren't a lot of return visits or questionnaires. All we did was push the benefits of the plan and close hard. One co-worker referred to it as "guerrilla sales" because we attacked the prospects and left. There was a lot of high pressure stuff going on and, as you can imagine, a lot of cancellations of policies after we walked out the door.

Years later I worked for another insurance carrier who had a fact finding questionnaire, but it wasn't required and seemed like more work than it was worth. Again, sales were lackluster. I glanced at it and memorized a few of the questions, but didn't make it a workable part of my presentation. 

Eventually I went to work for a very large life insurance carrier and it was mandatory for us to use a fact finder. Theirs was about 10 pages and very in depth. Mentally, it was a struggle for the agents to wrap their heads around this booklet. The managers were insistent that we use it. "The sale is in the fact finder" was the mantra.

It took a few months to get comfortable with asking the questions. I found short cuts and ways to ask the questions that were relevant to the client. As their needs changed, I could ask the other questions later on down the road. I learned how to do this correctly and my sales started to get better. I was managing to get bigger cases. More importantly, I was finding out what the client wanted and how much they could actually spend. 

If done correctly and casually, a good fact finder will help find out what the actual needs of the client are. And by asking sincere follow up questions, the sales person can build a rapport with the client. Don't think of it as a questionnaire and giving someone the third degree. Instead it's a great way to get a relevant conversation going, thus building the relationship on a foundation of trust and genuine concern. 

If you look to the right side of this page you'll find a button asking you to schedule a time with one of our agents. With the Covid-19 virus in consideration, we can do some good fact finding over the phone. We look forward to hearing from you and helping you find the protection you need. 

And as always, stay healthy!

Chris Castanes is the president of Surf Financial Brokers, as well as a professional speaker helping sales people be more productive and efficient.

Do You Consider Yourself To Be A Forward Thinker?

I spent this week cleaning out my father's house. He passed away in February after a battle with Parkinson's Disease, leaving us with some several bills. As I mentioned at the time, he had used the equity in his home to pay for his care instead of taking the advice of his son (me) to purchase long term care insurance when I brought up the subject years ago.

Hindsight is 20/20. However, as I go through boxes of old pictures of my parents when they were much younger and healthy, I realize that it wasn't really that long ago. With that in mind, I also know that it won't be too much farther in the future when I could be in the same situation.

Being chronically ill is an expensive proposition. Nursing homes, assisted living facilities and home health care are not cheap. Ask anyone who has had to pay for such care. But just as knowing that our own death is inevitable, we have to come to terms with the probability that we may need to find a way to cover these expenses, or be a burden to our children.

My father with is mother and sister, circa 1933

The whole point of buying any kind of insurance is to shift the burden to someone else, namely the insurance company. No one is going to lend you money for your care, as you won't be able to repay that loan. Nor does anyone really want to contribute to a GoFundMe page when you could be taking care of this from now.

Take some time to think it over. Do you want to be a financial burden? Do you want your family to interrupt their lives to care for you? They will out of love, but there are better options, some more affordable than others. Let us know if we can help, and as always, please stay healthy.

Chris Castanes is the president of Surf Financial Brokers, as well as a professional speaker helping sales people be more productive and efficient.

A Promise Kept

Did you know that only about 40% of Americans have the amount of life insurance they need? As an insurance agent, I find that people don't want to discuss life insurance because they want to "live in the moment" or because it's not something they can use. In other words, they don't want to plan ahead or worry about what might happen to their family when they die.

With that in mind, I wanted to share a video that gets the point across of why we should all consider life insurance. Take a minute to watch.

As you can see, life insurance isn't for you, as the insured, but for your loved ones. If you need help finding the right amount of coverage within your budget give us a call. And as always, please stay healthy.

Chris Castanes is the president of Surf Financial Brokers, as well as a professional speaker helping sales people be more productive and efficient.

Will Covid-19 Kill the Long Term Care Insurance Industry?

I've been working with a client who expressed interest in purchasing a Long Term Care (LTCI) policy a few months back. As a matter of fact, he was already sold on the product because of a family member who is chronically ill and in a nursing facility. My client, as many in that situation, realized how expensive a facility can be and decided that he didn't want to be a burden to his family if he was in the same situation.

I sent him a couple of illustrations and we discussed the merits of each. He made a decision and we agreed to meet in a week to get the paperwork finalized. That's when things went awry. 

Wanting to make sure I was doing everything correctly, I called the insurance company and found out that due to the Coronavirus, the carrier had put a moratorium on new sales "until this thing blows over". That could be months, or never. 

After making another call to a brokerage house, I was told the same thing, but they added, "This virus is going to be the excuse some carriers will use to get out of the long term care market." Really? Now?

The LTCI industry has had a strange road in the last 20 years or so. Policies evolved from the 1980's as different types of care emerged. Thinking that they could make nice profits, many carriers jumped into business, and with little actuarial numbers to base premiums on. On top of that, no one predicted the steady rise of healthcare cost over the coming decades.

To mitigate losses, LTCI policies included a provision that the insurance company could raise the premiums if they needed to, typically with the approval of the state insurance commissioner. And after the Great Recession of 2008, more than a few took that step and implemented 17-20% increases on business that was "in force". One carrier did it twice! So much for being a forward thinking person. 

Along with the price increases, companies also stopped selling stand alone policies or sold a stripped down version of their previous products. And some carriers sold their LTCI books of business to other carriers. Many have replaced the stand alone policies to life insurance policies with LTC riders. 

The point of all this is that at the end of the day, many of these insurance companies are looking for a reason to get out of the business. The claims are higher than expected and the premium increases are squeezing potential buyers out of the market. And Covid-19 has prompted the few remaining carriers to "suspend" sales until further notice. 

What does all of this mean for you? If you are concerned about your long term care needs in the future, you still have some options. As mentioned earlier, there are life insurance policies, both term and permanent, with LTCI or "living benefits". Companies vary as to their offerings, so ask your agent to verify what you're purchasing. 

A few months ago, I discussed the Short Term Home Healthcare (STHHC) plan we offer. Many people don't realize that the costs of home health care can be double of that in a facility. In my opinion, this is a fantastic product and very affordable. 

The Coronavirus has probably put the last nail in many carriers LTCI coffins, but don't let that dissuade you from looking into your options from now. Click here to book a free fact finding phone call to find out what we can do within your budget. 

And as always, stay healthy and safe!

Chris Castanes is the president of Surf Financial Brokers, as well as a professional speaker helping sales people be more productive and efficient.