Is long-term care insurance underwriting getting easier?

Posted by Emily Singh on Apr 22, 2016 9:16:02 AM

 

I get a lot of questions about long-term care insurance underwriting from advisors every day. During these conversations, we often  discuss a perception that LTC Underwriting is much stricter than it used to be, and carriers continue to tighten the standards to the point of where only the super preferred healthiest people can get coverage.

Is that story the reality?  Or have carriers recently adjusted standards to make getting a LTC policy a little bit easier?  The answer, of course, is "it depends" - but if you haven't looked at LTC underwriting in a while it might be time to take a second look.

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Topics: Advice articles about planning, Underwriting

The 3 things every advisor should do before presenting LTC Insurance

Posted by Michelle Domino on Sep 23, 2015 3:39:47 PM

Selling a long-term care insurance policy can be a complex and lengthy process. To maximize the effectiveness of a client meeting, here are 3 to-do items that must occur first!

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Topics: For financial professionals, Advice articles about planning, Underwriting

How to improve your long-term care insurance underwriting batting average

Posted by Patrick Bradley on Aug 27, 2015 1:00:00 PM

Conversations about long-term care insurance usually revolve around plan design, premium, carrier ratings and optional benefits. In reality, those conversations should start with health history and underwriting.

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Topics: For financial professionals, Advice articles about planning, Underwriting