Traditional Annuity Vs WL W/ LTC Rider Vs Immediate, Medically-UW Annuity

I threw together a basic schedule of the type of clientele that would be more appropriate for which of the abovementioned LTC options based on my knowledge. I'm a licensed P&C agent but am learning everything I can about life and LTC, so feel free to tear this apart if I have some apparent gross misunderstandings

WL w/ LTC Rider

[LIST][*]In good health and/or planning very far ahead[*]Not much cash surplus currently; still building and saving[*]No other (or very little) legacy to leave to heirs. The DB of this policy would be the largest by far[*]No immediate

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