Writing LTCI for a Subordinate

Hi everyone! I work for NW and this would possibly be my first LTC policy written, and it would be for my employee in my office so I definitely don't want to get it wrong. Her mother recently passed and left her with about $251,000 in inherited IRA's and she has a 100,000 in her own IRA. She is trying to figure out the best way to handle this money, since the inherited IRA's are going into RMD status soon.

She is 57 and has type 2 diabetes, and had a heart attack several years ago. She doesn't qualify for a LTC rider with Nationwide, but it looks like she might be ok to get the Caremat
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