Underwriting of Long Term Care Insurance

[billberry12]

Just as I thought. You won't name them because they don't exist.

 

[ltcadviser]

...actually, Bill, 3 of the top 10 LTC insurers can take someone who is diabetic and uses tobacco. he/she would most likely be rated.


mred

It is kind of humorous to use the term "Top 10 LTC Insurers" today.
I mean, that is really every underwriter, isn't it? At least in the brokerage arena

Bill,

Take a look at the UW guides of the following companies.

Mutual of Omaha, American General, Transamerica, Medamerica.

Jack

 

[Mr_Ed]

It is kind of humorous to use the term "Top 10 LTC Insurers" today.
I mean, that is really every underwriter, isn't it? At least in the brokerage arena

Bill,

Take a look at the UW guides of the following companies.

Mutual of Omaha, American General, Transamerica, Medamerica.

Jack

am gen won't take a diabetic who has smoked in the past 36 months.

 

[yankee466]

Well controlled diabetes with tobacco is an easy Class I with Mutual/United of Omaha. I have clients placed like that. You just try not to add too many other issues or you are eventually asking for trouble.

 

[CALTCAgent]

I guess well controlled is the key, I don't run into many that use tobacco and have well controlled diabetes. Its a very unlikely scenario.

 

[Giselle Garcia]

Thank you very much for this information especially the one from Mr_ Ed which implies diabetics are not a hopeless case.