Is this the Perfect Hybrid Policy?

I love Asset Care. Anyone else have any thoughts on this policy for high net worth applicants?

Review of State Life Asset Care Long Term Care Insurance Hybrid - LTC Partner

It does look good from a numbers and policy standpoint.

I was curious about actual underwriting experiences with State Life ?

Do they issue "often" after the express quote and a "we will take a look at it" go ahead ?

I have not been a fan of the "pre-qualification" process they have.

I like to talk to an underwriter and see more detailed underwriting guides.

But maybe their process helps because you have something in writing that you "pre-qualified" ?
 
It does look good from a numbers and policy standpoint.

I was curious about actual underwriting experiences with State Life ?

Do they issue "often" after the express quote and a "we will take a look at it" go ahead ?

I have not been a fan of the "pre-qualification" process they have.

I like to talk to an underwriter and see more detailed underwriting guides.

But maybe their process helps because you have something in writing that you "pre-qualified" ?

Underwriting is not a problem. I spoke with an underwriter for 20 minutes on Friday.

They've issued some tough cases for me.
 
Underwriting is not a problem. I spoke with an underwriter for 20 minutes on Friday.

They've issued some tough cases for me.

They always tell me I can't speak with an underwriter.

Maybe they are changing or you have a "connection" ?
 
Not sure what I do differently, Steve. Have you placed any business with them?

I have, but not in a while.

I like to talk to an underwriter when there are health concerns.

Or at least know more than "knockout" conditions. They are underwriting for LTC and life in many cases. I think a little more info would be nice.
 
I have, but not in a while.

I like to talk to an underwriter when there are health concerns.

Or at least know more than "knockout" conditions. They are underwriting for LTC and life in many cases. I think a little more info would be nice.


If you have an impaired risk situation to discuss, I am sure they will speak with you, if necessary.

Talk to your regional vice president about your needs.
 
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