- 2,584
The problem with that is they are unqualified and therefore have health condiitions that will likely rate them up for life insurance, often making that less attractive.
Ltc Vs Life
- Thread starter jn8691mr
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The problem with that is they are unqualified and therefore have health condiitions that will likely rate them up for life insurance, often making that less attractive.
True, although some of the disqualifying "ailments" with a LTC policy would not necessarily trigger a rating in the life insurance arena.
- 2,584
Again, the problem is, there are very few that would not, in my opinion. Of course this is specific to the ailment.
I agree that the life policy with living benefits can offer some benefits of pseudo ltc covg.
There is also the chance that the living benefit riders could be disallowed or limited on the life policy, depending on what issues the insured has. They might still be able to get the life policy, but may not qualify for the living benefits.
There is also the chance that the living benefit riders could be disallowed or limited on the life policy, depending on what issues the insured has. They might still be able to get the life policy, but may not qualify for the living benefits.
The Moneyguard II contract is a good individual hybrid policy.
