About Us
 

INDIVIDUAL CLIENTS

Got LTC Insurance?

Long-term care insurance (LTCi) is an insurance product that helps provide for the cost of LTC beyond a predetermined period. LTCi covers care generally not covered by health insurance or Medicare. Individuals who require LTC are generally not sick in the traditional sense, but instead, are unable to perform the basic activities such as dressing, bathing, eating, toileting, continence, transferring and walking.

Let Me Introduce Myself

"I am the managing member of Masters Choices LTC LLC a New York based distributor of long-term health care insurance products. I've worked with individual clients and over 200 licensed insurance agents. Over the years I have been heard by Tri-State radio listeners with a presence on top programs such as 1010 WINS News and ABC Radio News, WOR’s Adrian Burg and Ken and Daria Dolan’s financial talk shows." - Rich Virsera CLTC 516-877-2704

What Makes Us Unique?

• LTC Specialists with over 20 years experience

• Offer Partnership plans and Hybrid Life LTC insurance

• Work with most major insurance carriers

The Next Step

When you are ready to take the next step and learn more about this insurance, we will be glad to help you. We will need to ask you about your health history and any medications you may be taking. Don’t be taken back by this. It’s necessary and will save you much time and extra work in selecting a carrier. Because each insurance carrier looks at health issues differently, this information will allow us to compare the carriers most likely to accept you as a policyholder. We will try to compare at least 2 top insurance carriers. We will send you a FREE side by side report of features and pricing.

REMEMBER: You pay for LTC Insurance with your money, but you buy it with your Good Health. Look into this insurance while you are young and still healthy.

 

 

This section for:

LICENSED AGENTS (ONLY)

 We work with:

LICENCED AGENTS

P&C BROKERS

FEE BASED FINANCIAL PLANNERS

ACCOUNTANTS & CPAs

ESTATE ATTORNEYS

Although we pride ourselves on having the ability to offer superior service to the smallest account, Master Choices LTC has the ability to help you service your largest business clients nationwide through a substantial network of long-term care insurance specialists and a support staff of over 25 dedicated professionals. Yes, we can help you on such a large scale.

One of our most often sited features is the ability to have one on one access to our managing member and founder Rich Virsera. Rich is a 28 year veteran of Long-Term Care insurance and will be glad to help you personally understand the various concepts of LTCi planning. Rich has been there since the early days of LTCi and has seen carriers and products come and go. He can help you through the maze of current offerings and help you focus on what's really important. Offering you the best possible LTCi plan at the best possible price.

CLICK HERE to see what clients are saying about us.

 

Master Choices LTC Gives Insurance Agents Access To:

• Personalized, efficient service with a licensed staff that is well versed in industry trends and changes

• Top ranked LTCi carriers including: Mutual of Omaha, Lincoln Financial, One America, Nationwide, John Hancock

• Meaningful information                                                                                                                                  

  • Up-to-date industry information, articles and presentations
  • Policy status 24/7
  • Exclusive product feature & premium comparisons
  • Email updates to keep you abreast of industry news as it’s released

• Exclusive conference calls & webinars

• Continuing education and partnership certification offers (when available)                                           

 Department Overviews:

Provides support with appointment paperwork, licensing, CE and certification requirements including state restrictions and application requirements

  • Assists in completion and submission to carrier

 • Sales Support 

  • Offers product training in-person or via conference calls and webinars
  • Provides presentation supplies including prospecting materials
  • Assists with plan design, marketing and sales
  • Obtains client health prequalification (Tool) and shops to avoid declines
  • Provides Medicare, Medicaid and basic tax information
  • LTCi Specialists who will do joint work to help you with your clients

 • Worksite Marketing Department                                                                                                           

 Provides in-depth analysis of group demographics to assist in carrier selection

  • Personalized and detailed firm presentation kit for HR and Executive perusal
  • Educates agent for a successful sale by training on product and presentation
  • Creates spreadsheet quotes based on a group census
  • Supports enrollment process; including kits and marketing plan
  • Enrollers (if requested) to help maximize productivity
  • Process submitted applications to delivery

 • Case Management

 Receives and scrubs applications; verifies agent licensing

  • Provides back office support through entire underwriting process
  • Advises agent of any outstanding requirements
  • Assists agent in any delivery issues or changes

 

 

 


 

  State Partnership Programs

                   

 Richard Virsera CLTC - Managing Member -Long-Term Care Insurance Specialist - DIRECT: 516-877-2704