Close More High-Ticket LTCI Cases While Your VA Handles Carrier Illustrations, APS Chasing & In-Force Policy Reviews.
Long-term care insurance advisors lose 20+ hours every week running multi-carrier ledger comparisons on WinFlex, chasing delayed attending physician statements (APS) from clinical records departments, and manually modeling premium increase mitigation options. Delegate health pre-underwriting intake, iGo e-Apps, carrier underwriting follow-up, and legacy rate hike analysis to a trained virtual assistant overseen by an experienced Project Manager at $0 extra management fee.
$6 - $7 / Hour
Pure productive operations hours
Hybrid & Standalone
Lincoln, OneAmerica, Securian, MoO
Free Project Manager
Daily QA & case pipeline audits
Eliminate Underwriting Friction
Accelerate your time-to-issue from 90 days down to 30. Your assistant handles the administrative heavy lifting while you focus on client discovery and closing.
- Field Pre-Underwriting Scrubs: Cross-referencing client Rx lists and comorbidities against carrier uninsurable guidelines before submitting applications.
- WinFlex & Hybrid Multi-Quotes: Preparing side-by-side ledgers comparing standalone LTCI, asset-based life/LTC, and annuity-LTC hybrids with custom inflation riders.
- Aggressive APS Chasing: Contacting medical records custodians twice weekly to retrieve physician notes, ECGs, and cognitive screening files without advisor intervention.
- In-Force Rate Hike Restructuring: Calculating landing spots, contingency benefit reductions, and paid-up non-forfeiture options for clients facing legacy premium hikes.
< 24 Hrs
Illustration Turnaround
Multi-carrier comparative ledgers ready for every client review meeting
70%+
Operations Overhead Savings
Compared to hiring expensive in-house case managers and policy coordinators
$0
Management Fee
Dedicated Project Manager audits carrier portals and task workflows for free
3x
Faster Underwriting Turnaround
Relentless APS retrieval and telephone interview prep eliminate pipeline bottlenecks
What Your Long-Term Care Insurance VA Manages
As an independent LTCI broker or financial planner, your highest ROI comes from strategic client advisory, executive discovery calls, and building elder law referral partnerships. Here is the rigorous back-office workflow your VA executes daily.
Pre-Screening & Field Underwriting Scrub
Avoid instant declines. Your assistant reviews client medication lists, surgical histories, height/weight build ratios, and family longevity records against specific underwriting knock-out lists across Lincoln, Nationwide, Mutual of Omaha, and OneAmerica.
- Comparing Rx records against uninsurable drug databases
- Drafting informal carrier underwriting inquiry sheets
WinFlex & Hybrid Illustration Modeling
No more spending hours wrestling with proprietary software. Your VA runs side-by-side ledgers across traditional LTCI and hybrid asset-based life/annuity solutions, modeling varying benefit periods, monthly pools, and inflation options (3% compound vs 5% simple).
- Running WinFlex, Lincoln DesignIt, and Securian ledgers
- Assembling clean 1-page comparison summaries for client calls
E-Apps & Relentless APS Tracking
Keep new business moving smoothly through underwriting. Your assistant stages electronic applications in iPipeline iGo or carrier portals, reviews client signature completion, schedules paramedical/cognitive telephone interviews, and calls clinics twice weekly for fast APS release.
- Auditing iGo e-Apps to eliminate Not-In-Good-Order (NIGO) delays
- Chasing lagging medical records from doctor offices and hospital networks
Legacy Rate Increase Analysis & Restructuring
Turn distressed rate increase letters into client loyalty and replacement opportunities. Your VA models Genworth, John Hancock, or CNA premium hike adjustment options—calculating reduced benefit periods, inflation cap landings, or 1035 exchanges into modern hybrids.
- Comparing carrier landing options vs contingent non-forfeiture
- Preparing customized policy restructuring recommendation packets
Claims Advocacy & ADL Documentation
Support vulnerable policyholders when benefits are needed most. Your assistant retrieves initial claim packets, gathers physician assessments verifying 2 of 6 Activities of Daily Living (ADLs) or cognitive impairment, logs elimination period service dates, and audits home care bills.
- Tracking 30, 60, or 90-day elimination period expense day tallies
- Reconciling licensed home health agency timecards and invoices
Centers of Influence (COI) & CRM Cadence
Keep your referral pipeline overflowing. Your assistant maintains regular touchpoints with estate planning attorneys, CPAs, fee-only CFPs, and geriatric care managers in Wealthbox or Redtail, distributing educational case studies and scheduling quarterly partnership reviews.
- Segmenting referral partners in Wealthbox, Redtail, or Salesforce
- Distributing monthly LTC legislative and tax update briefings
Carrier Portals, Quoting Engines & CRMs Our VAs Master
Zero training lag. Our assistants arrive experienced in industry-standard life/LTC quoting engines, carrier portals, BGA clearinghouses, and wealth management CRMs.
WinFlex Web
Multi-Carrier LedgersiPipeline iGo
Drop Ticket & E-AppLincoln MoneyGuard
DesignIt PortalSecurian SecureCare
Hybrid Cash IndemnityNationwide CareMatters
Asset-Based SolutionsOneAmerica State Life
Asset Care & Annuity-LTCMutual of Omaha
MutualCare StandaloneWealthbox / Redtail
Financial Advisor CRMsSalesforce FSC
Financial Services CloudAgencyBloc / SmartOffice
BGA & Agency ManagementRingCentral / Dialpad
VoIP & Recorded Intake1Password / Bitwarden
Encrypted HIPAA VaultsTurnkey Insurance Operations With Free Project Management
Never burn hours training a generic remote freelancer on elimination periods, ADL triggers, inflation riders, or medical underwriting protocols. We assign an insurance-literate assistant supervised daily by an experienced Project Manager at zero extra cost.
Submit Requirements
Share your primary carriers (hybrid life/LTC vs traditional), active quoting software (WinFlex, iGo), BGA relationships, and weekly case volume.
Finalise the Deal
Your assigned Project Manager reviews your illustration templates, configures role-based CRM access, establishes HIPAA/GLBA security, and executes an enforceable NDA.
Expert Execution
Your VA runs multi-carrier illustrations, scrubs health pre-intakes, chases APS records, and restructures in-force rate hikes. Your dedicated PM audits case hygiene daily.
Pay Only for Output
You are billed strictly for your virtual assistant's productive operations hours. Your Project Manager's daily supervision, audit reports, and backup plans are 100% free.
Your Dedicated Project Manager Safeguards Pipeline Velocity & NIGO Prevention
Managing complex high-net-worth LTC cases across multiple carriers? Your dedicated PM audits illustration inputs, verifies that applications are 100% in good order before submission, and conducts weekly APS aging sweeps so your cases don't gather dust in underwriting.
Unvetted Freelancers vs. The Managed Choice: SageDoer
Why top insurance advisors, NAIFA members, and wealth planning firms partner with SageDoer instead of risking confidential health records on generic freelancer boards.
| Key Operational Factor | Generic Freelance Boards & Call Centers | The Smart Choice: SageDoer |
|---|---|---|
| Long-Term Care Industry Fluency | Unfamiliar with elimination periods, indemnity vs. reimbursement, compound inflation riders, and asset-based hybrid life products | Pre-trained on WinFlex ledgers, hybrid mechanics, ADL benefit triggers, and partnership qualification rules |
| Carrier Software & Illustration Engines | Requires dozens of hours of advisor training to navigate WinFlex, Lincoln DesignIt, iPipeline iGo, and BGA portals | Day-one familiarity with WinFlex ledgers, iGo e-Apps, carrier underwriting portals, and advisor CRMs (Wealthbox/Redtail) |
| Dedicated Supervision & QA Oversight | Zero supervision. The advisor must micromanage every ledger, check each e-App field, and manage tasks alone | Dedicated Project Manager audits illustration accuracy, tracks aging APS orders, and monitors case milestones for free |
| HIPAA, GLBA & Client PHI Protection | Unvetted foreign contractors accessing highly confidential medical and financial records on unprotected personal devices | Strict HIPAA & Gramm-Leach-Bliley compliance protocols, encrypted credential sharing, and bilateral enforceable NDAs |
| Pricing Transparency & Cost Structure | High platform transaction markups (up to 20%), fluctuating currency charges, and unpredictable freelance billing | Predictable flat $6–$7/hr billed strictly for productive output. Zero management fees, setup costs, or platform taxes. |
| Operational Continuity & Coverage | Freelancer abruptly goes offline during critical month-end submission or open enrollment, freezing your pipeline | Guaranteed backup coverage cross-trained on your specific carrier portals, BGA preferences, and CRM SOPs |
Predictable Hourly Rates for LTCI Specialists & Advisors
Select the exact operational support your insurance practice requires. Pay strictly for productive hours with zero contract lock-ins.
Part-Time
Est. $560 USD / Month (4 Weeks)
Ideal for independent insurance brokers and financial planners needing dedicated support for running WinFlex ledgers, staging iGo e-Apps, and chasing medical records on active applications.
- Pay only for hours of pure productive work
- Dedicated Project Manager included
- WinFlex, iGo, Lincoln, Securian & MoO workflows
- Zero setup or onboarding fees
- No long-term commitments or lock-ins
- Strict HIPAA & GLBA confidentiality protocols
Full-Time
Est. $960 USD / Month (4 Weeks)
Engineered for busy LTCI specialists and wealth management teams managing high case volumes, complex asset-based 1035 exchanges, legacy rate increase analysis, and elder law referral networks.
- Pay only for hours of pure productive work
- Dedicated Project Manager included
- Continuous illustration runs, APS chasing & in-force audits
- Zero setup or onboarding fees
- No long-term commitments required
- Guaranteed internal backup coverage
Trusted by Independent LTCI Specialists & Wealth Planners
See how insurance professionals accelerated time-to-issue, eliminated illustration bottlenecks, and scaled production with SageDoer.
"Running WinFlex ledgers across Mutual of Omaha, Lincoln, and Securian was eating up 3 hours every evening. Our SageDoer assistant builds clean comparative spreadsheets with different inflation options in under 24 hours. My close rate jumped because I walk into every appointment fully prepared."
Richard Henderson, CLTC
Founder, Carolinas LTC Advisory
"Chasing medical records used to drag out our underwriting to 90+ days. Our assistant relentlessly contacts medical records departments, verifies receipt of HIPAA releases, and logs status updates in Wealthbox. Our average time from e-App submission to policy issue dropped to 34 days."
Margaret Sullivan, CFP®
Managing Partner, Mile High Wealth Partners
"We were overwhelmed with clients receiving 40% rate increase letters on legacy Genworth policies. SageDoer's assistant mapped out reduced benefit landings and 1035 exchange illustrations into hybrid asset-care plans. They turned a customer service nightmare into $48k in replacement commissions."
David Weiss
Principal, Longevity Protection Group
"The free Project Manager oversight was what won us over. She audits every single application before it leaves our office, ensuring zero NIGO errors. Having an experienced coordinator verifying client ADL records gives us total confidence that our elder clients are in good hands."
Karen Connors, Esq.
Senior Partner, Keystone Elder Law Advisory
"Running WinFlex ledgers across Mutual of Omaha, Lincoln, and Securian was eating up 3 hours every evening. Our SageDoer assistant builds clean comparative spreadsheets with different inflation options in under 24 hours. My close rate jumped because I walk into every appointment fully prepared."
Richard Henderson, CLTC
Founder, Carolinas LTC Advisory
Questions About Hiring an LTCI Virtual Assistant?
Clear answers regarding client medical privacy, WinFlex quoting protocols, APS records tracking, and dedicated Project Manager supervision.
Put Your Insurance Back Office on Autopilot
Tell us about your weekly illustration volume, primary carrier partners, CRM software, or underwriting bottlenecks. Our dedicated Project Manager will review your requirements and provide a tailored insurance staffing proposal within 2 hours.
Direct Calendar Booking
Schedule 30-Min Strategy Call
Instant Chat & Voice Notes
+91 8017067191 (WhatsApp)
Direct Inquiries
info@sagedoer.com
Request Your Insurance Staffing Proposal
Submit your case volume, illustration software, and primary operational needs below.