Long Term Care Underwriting (LTC) -- Segment One

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How is Long Term Care Underwriting (LTC) -- Segment One

Long Term Care Underwriting (LTC) -- Segment One Tube. Duration : 13.50 Mins.

We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Progressive Insurance Quote. Hosted by Steve Savant, national insurance columnist and financial color commentator. Special Guest: Susan Carlson, Head of Brokers Alliance LTC Division and nationally recognized LTC expert, educator and workshop trainer. LTC is morbidity underwriting, not mortality underwriting. Many LTC carriers view specific impairments more favorably than the rest of their peers. John Hancock and Prudential are considerations with diabetes. For depression, Genworth may be more favorable. Morbidity underwriting views progressive health like increasing weight, which for LTC is the new "smoking" gun. Obesity can lead to diabetes, which can effect mobility and sometimes lead to strokes and Alzheimer's. So BMI is a big deal. Transamerica is favorable to BMI. Pre-packaging the case for carrier bidding is important as is preparing a client for the telephone interview and the collection of APSs. Generally, there's no request for blood and urine. LTC is generally an "accept or reject proposition", not table rated product like life insurance. LTC is the most highly regulated senior product on the market.

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