I have been selling some traditional long term care policies through Auto Owners. To my knowledge they don't sell through brokers and therefore have limited reach. In my experience they are a basic traditional policy that offers tremendous value (coverage for the price). They have not raised premiums on existing issued business. They appear committed to the market. Their policy is an indemnity benefit at claim. The biggest downside to most traditional carriers is that they don't offer a partnership plan with any state. Other than that, what are other thoughts are there on Auto Owners?