Asset Based LTC Without Underwriting

I have a sizable case (and expect more) that wants to purchase OneAmerica's AssetCare 1, but I don't believe they're going to be able to get underwritten due to health issues (previous cancer).



They love the concept as the product fits perfect for them. Is there another product that anyone knows of that has the features of beating a savings account (the current allocation), with a tax-free gain that can be used for LTC if it doesn't eventually get used as a death benefit?

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