Agents and Brokers

How can CarePlus offer renewals up front? Why isn’t everybody doing that?

We’re paying you for income we expect to receive over the years. That’s something we could only do if we sell a good product that people need—and we do. In addition, our agents and support staff receive specialized training on a proven method to make sales that “stick”. They understand the needs and deep concerns of our clients, and in turn, they help clients understand why Long-Term Care Insurance is so valuable.


Are there any strings attached? How soon do I get my money?

You get paid when we get paid, which in most states is at the end of a 30 day “free look”. Your earnings are subject to a prorated chargeback if the client cancels the policy within the first 13 months.


Sounds great... but I like the idea of collecting future renewals every year so I get paid without getting out of bed...

You can still do that—just invest your earnings in an appropriate vehicle that matches your needs. But at CarePlus we put you in control of the money you’ve earned, instead of making you wait for it.  Use it to support your current lifestyle... as a cushion for emergencies or a major expense such as school tuition... or, buy an annuity that pays you every year.

In addition, you’ll be getting rid of the potential for losing your renewals if a policyholder cancels. And you’ll avoid the “inflation penalty” that means your renewals are worth less and less in real terms over time.


OK, I’m interested. What do I do next?

When you’re ready to talk about earning renewals up front with CarePlus, simply click the registration button below.
Or give us a call at (800) 597-7751 x500 and ask for
Jim Thomson, Vice President Sales.

For Agent Use Only. Not for Public Distribution.


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“Upfront Renewals" are not available for sales in all states. Determination and payment of compensation amounts to agents as
"upfront renewals" for sales of long-term care insurance is the sole responsibility of CarePlus. Contact CarePlus for full details.