I have a client that is interested in obtaining some type of LTCi. She has a condition that might affect her insurability, but we have run pre screens with all of the major traditional LTC carriers, Lincoln Moneyguard and State Life. Lincoln and State life said OK to submit. Traditional carriers all said they would consider Select class after reviewing records.
I really just want to submit apps and get an offer on her, but I guess my question is - would you hesitate to submit on traditional LTC in fear that she may get a decline, which would then eliminate her chances of getting a Hybrid p
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I really just want to submit apps and get an offer on her, but I guess my question is - would you hesitate to submit on traditional LTC in fear that she may get a decline, which would then eliminate her chances of getting a Hybrid p
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