[LTC-Sales_Discussions] Restrictions in home care, other provisions esp. Hancock

[Gail Onken]

Ida:
I'd like to hear a little more from you on JH's restrictions on home
care.  What are they?  They do offer a Stay at Home benefit which offers
some traditional Alternate Plan of Care provisions but it is limited to
1x the monthly LTC Benefit.  I really do want to understand this clearly
as I'm now tackling understanding the new Allianz Generation Protector
as well as Custom Care II and they both have attractive features.  

Has anyone done a written comparison of the two plans?  Since I've moved
from Virginia to the Savannah area of Georgia, I miss some of the great
info I used to get from my broker there.

Can anyone recommend a good broker in Georgia (probably Atlanta) who
does a lot of LTC?  I found one but they are pretty weak and I'm looking
to change.  I've looked into ICB (Individual Commercial Brokerage) in
New Jersey and Senior Market Sales but the latter appears to be
affiliated with Mutual of Omaha.  Your help will be much appreciated.

I just signed on to this discussion group and have gotten a lot of value
from it already...only wish I'd discovered it sooner.

Gail W. Onken
Creative LTC Planning
    Long Term Care Insurance
204 McDuffie Drive
Richmond Hill, GA  31324
(912)727-3305
(921)658-1426 Cell
gonken@comcast.net



Ida Keir
Certified Senior Advisor
Tel. 603-778-4232; 800-978-4232
Fax. 603-778-9321
www.primeoflifeinsurance.com
 


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