Genworth - AARP Vs Non-AARP

[ltcadviser]

SecretAgentCharlie, call AARP if you are a member...they will answer any questions.

New questions...
Also, can we apply to more than one company at same time - in case one turns us down and the other does not? I don't want to wait 6-8 weeks and be "older" - my b-day will have passed...then it will cost me even more to have waited on a denial to begin with another company again.

Is it generally less expensive to have two separate policies instead of shared? One of us in the couple has some issues that may cause denial.

Thank you.

G

Of course you can apply to as many companies as you wish. I just applied a client to Genworth, Mass Mutual and Transamerica at the client's wishes.

If you are simply combining the individual pools of money, the shared coverage will add a little premium. It is an efficient way to buy extended coverage. See link below for comprehensive information.

Long Term Care Insurance Shared Policies - LTC Partner