Guarentee Issue Long Term Care
- Thread starter SamIam
- Start date
- 4,882
I doubt a true guarantee issue exists, but if it does, a 100k deposit will likely proved about 85-90k in total LTC benefits
Global Atlantic has Forecare annuity that has LTC benefits, but it is not guaranteed issue as the application has questions that must be answered NO for the policy to be eligible to proceed. https://www.globalatlantic.com/site...-1-1216ForeCareClientBrochure-Countrywide.pdf
I think Leukemia is a knock out question for the 2-3x deposit LTC component. http://www.annuityadvisors.com/forms/global-atlantic/ForeCare-Facts-and-Factors.pdf
kpbdy99
Super Genius
- 160
Doesn't exist outside of an employer group plan.
- 30,259
Looking at the thread title, it seems I've been spelling the word "Guarantee" wrong all these years. 
Leukemia is ok for Global Atlantic standard offer. ForeCare will offer 2x your client’s deposit for Leukemia history. $100,000 will provide $200,000 for LTC; $2778 months for 72 months.
kpbdy99
Super Genius
- 160
It's not LTC insurance, but go check out www.truefreedomhomecare.com. It's a "pre-paid" home care membership. It would result in some reduced costs over time, and as long as you don't currently need care, you're eligible.
- 10,695
Who still offers GI LTCI for a group???
- 10,695
Only product I can think of would be an Annuity with Income Rider that doubles the income for LTC needs. But that is assuming she is not currently in care right now.
I cant imagine any LTCI product that would cover pre-x immediately even if it was GI...
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