Over 30 Years of Experience in Long-Term Care Solutions
Since 1983, ICB has been a pioneer in the long-term care industry, helping individuals and families plan for their future. With over three decades of experience, our mission is to educate and provide tailored insurance solutions that fit your needs, ensuring peace of mind and security for the years ahead
Comprehensive Solutions for Your Long-Term Care Needs
We understand that planning for the future can be overwhelming. That’s why our team is here to guide you through options like:
Traditional Long-Term Care Insurance: Providing coverage for care needs as you age.
Life Insurance with Long-Term Care Benefits: Protecting your loved ones while also offering coverage for care.
Short-Term Care Plans: Flexible solutions for immediate and short-term care needs.
Your Trusted Partner in Long-Term Care Planning
Trusted Carriers:
We partner with top-rated carriers to bring you reliable, high-quality insurance products. You can rest assured that your plan is backed by the best in the industry.
Tailored Solutions Just for You:
We understand that everyone's situation is unique. Our licensed professionals are here to customize a plan that meets your specific needs, from protecting your assets to ensuring quality care in the future.
National Reach, Local Support:
Licensed in all 50 states, ICB is here to serve you wherever you are.
Guiding You Through the Long-Term Care Planning Process
Planning for long-term care can seem daunting, but our team is here to help. Here's how we make the process simple and stress-free:
1. Consultation: We listen to your needs and answer any questions about long-term care planning.
2. Needs Assessment: Our professionals help identify the right solutions based on your situation.
3. Personalized Plan: We work together to customize a plan that fits your goals and budget.
Ready to Plan for Your Future? Schedule a Free Consultation Today!
Resources to Help You Make Informed Decisions
Offer consultations for clients to discuss their existing life insurance policies or explore new options. ICB can review current policies to ensure they align with your evolving needs and goals. Emphasize the importance of regular policy reviews to make informed decisions.
FAQS
What is the difference between long-term care insurance and life insurance?
Long-term care insurance covers costs for care services that help with daily living activities, either at home or in a facility, while life insurance provides a death benefit to your beneficiaries after you pass away. Some life insurance policies can include long-term care benefits, offering combined protection.
Can I get long-term care insurance if I have pre-existing health conditions?
It depends on the condition and the severity. While some conditions may affect your eligibility or premium costs, many carriers offer options for individuals with pre-existing health issues. It’s best to discuss your situation with a specialist who can help find the right plan.
How long does it take to get approved for long-term care insurance?
Approval times vary depending on the insurer and the complexity of your health history. Generally, the process can take anywhere from a few weeks to a couple of months, as it may involve a health assessment and reviewing medical records. Our team will assist you throughout the process.
What happens if I never need long-term care services?
If you have a traditional long-term care insurance policy and don’t need care, the benefits simply won't be used, similar to how some other types of insurance work. However, some policies offer a return-of-premium feature or can be linked to life insurance, providing a death benefit to your beneficiaries if long-term care is never needed.
Testimonials
"Working with ICB was seamless! They took the time to understand my needs and provided clear options for long-term care coverage. Now, I feel confident knowing my future is secure. I highly recommend their team for anyone looking for reliable insurance planning."
— Melissa D., Satisfied Customer
"ICB helped me find the right plan for my family. Their expertise and dedication to finding the best solution made all the difference. The process was straightforward, and I appreciated the personal touch. We feel prepared for whatever comes our way."
— Sarah S., Happy Client
Individual Commercial Brokerage, Inc.
1500 County Road 517 | Suite 307 | Hackettstown, NJ 07840