I am branching out. For the past few years I've been a capitive agent doing outbound/inbound telephone sales. Well I'm not leaving my company, it's time I started looking into other options. So I was planning on concentrating on FE and Medicare sales in my area where there are a lot of 55+ communities. I was wondering if LTC and Critical Illness policies would be worth adding to the arsenal? If so, who would you recommend? I would rather have a policy with "easier" underwriting than more stringent guidelines but is also known to pay it claims. A unicorn right? I'm not an expert in this area by means and am looking for something simple and easy to cross sell if the need arises.