FE with LTC Similar Benefits?

[TwiLight]

How fast is contracting? Etc

It takes about 2-3 weeks to get your producer number. Cannot submit without it. Issue is quick. less than a week for GI and HHC.

App is 2 health questions on HHC:

1. Are you currently living in a nursing home or assisted living facility or currently receiving home health

2. Are you physically unable to perform routine activities such as bathing, dressing, eating, toileting or transferring to or from a bed or chair?.

 

[jmarkk1]

Any idea if GTL home care plan would work too? Easy to UW?

 

[mbm0219]

Kemper has an affordable Home Health Care plan and it pays lifetime renewals.

 

[jmarkk1]

I know about Kemper...getting contracted with them, but they take awhile. Thought GTL might work too...if UW is easy

 

[TwiLight]

I know about Kemper...getting contracted with them, but they take awhile. Thought GTL might work too...if UW is easy

Standard Life and Accident - SLAICO has a good STC plan and is lower in pricing compared to GTL.

Underwriting is simple and will do app by phone. Your specific case may still be difficult to underwrite with SLAICO or GTL.

Can get contracting done in about a week. STC policies are higher priced than Kempers HHC plan. Benefits are more comprehensive in an STC plan.

PM me for contracting with SLAICO or Kemper.

 

[jmarkk1]

I don't really want to get contracted unless I know they'll UW her. Kemper will, but I'd like to write biz soon. The big issue with her is coumadin and insulin diabetic