Do you know what a long-term care insurance policy is? If you do, you’re the exception rather than the rule. And that’s not a bad thing, though. After all, you know what long-term care is, probably understand how costly it can be, and realize the benefit to carry insurance that can protect your retirement investments and savings if the time comes when you need some type of long-term care. Maybe it’s time to get a long-term care insurance quote.
Perhaps your spouse doesn’t really understand the need. At least not yet. Perhaps you brought up the topic a few times, have tried to convince her, but it’s been difficult. After all, she may see an added monthly expense for the policy and if you are still in your 40’s or 50’s, she may not realize why it is so important to carry this type of insurance now.
So how do you convince your spouse?
First, we need to understand the dynamics of good communication. Almost all of us know how to talk. Even those who are considered mute know how to talk in their own way. Perhaps sign language or writing things down is how they communicate best.
But do you know how to listen well? It is a skill that is not really talked about much in school and most the time we never think twice about it until something breaks down in a relationship. Then you may sit across from a counselor hearing about how you never really listened.
This is the first step to helping convince your spouse to consider long-term care insurance. Listen to what he or she has to say.
Your spouse might not be against the investment in this type of insurance policy. He or she may simply know nothing about it and not realize how beneficial it could be.
Second, you need to have a clear understanding of what long-term care insurance is and why it protects your investments and savings in the future. Einstein once said, “If you can’t explain it to a five-year-old, you don’t understand it yourself.”
Can you explain long-term care insurance to a five-year-old so that he or she would understand it? If not, you need to learn more about it so you can simplify the process.
This isn’t meant to imply your spouse is not intelligent or able to understand it, but rather focused on whether you understand it enough to explain it clearly.
When you can do those two things, you should be able to convince your spouse that starting a long-term care insurance policy now is the best thing for your future together. Getting a long-term care Insurance quote may also be useful information to help in the discussion.