Our LTC Field Underwriting Guide is designed as a quick reference tool to help you answer some of the more common product and underwriting questions related to LifeSecure Insurance Company’s long term care insurance product. Changes in the latest version include:
- Section 6. Discounts – added a note that a 10% discount in California also applies to other LTC 1.0 states
- Section 7. Underwriting – updated tobacco/nicotine products to include nicotine gum, Ecigs, etc.
- Section 8. Underwriting Guidelines – updated the following medical conditions:
- Alcohol Abuse
- Bronchiectasis
- Bursitis
- Cancer
- Bone
- Skin
- Cardiomyopathy
- Meningioma
- Panic Disorders
- Raynaud’s Disease
- Seizure Disorder
- Sleep Apnea
- Section 8. Underwriting – the following medical conditions have been added:
- Stargardt Disease (Juvenile Macular Degeneration)
- Still’s Disease
- Syringomyella
- Tachycardia
- Thalassemia Minor
- Thalassemia Major
- Torticollis
- Section 9. Build Chart – added a note that build chart criteria are not used with Simplified Issue applications in California and other LTC 1.0 states
Visit your Agent Portal today to download a PDF or order printed copies of the LTC Field Underwriting Guide. For more information, please contact your Regional Sales Consultant.