Multi-Life LTC

[Full Throttle]

I took an app today on the wife for a LTC plan, but can not get coverage for the husband. Husband really wants coverage if possible. Are there any carriers that offer multi-life guaranteed issue (or simplified issue) for a small family owned business?

I know Met use to have a program down to 3 lives, but that's no longer an option. I was told MoO goes simplified at 10 lives, but not enough employees to make it work. Business has 5 employees total. Any suggestions or am I stuck on this one?

 

[secondcreek]

Check with Prudential. Don't recall the specifics but I believe they will do a 3 person group.

 

[b61mack]

what is the reason, the husband can't get coverage

 

[Full Throttle]

Yes. Takes too much Viacadin. Took app on wife with Pru today, wasn't aware they had a multi-life option.