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The Underwriting Process

Underwriting in the land of LTC

As with the large variety of policy types, underwriting for Long-Term Care varies significantly from policy to policy and carrier to carrier. Here’s a visual of the underwriting process from the time the client decides to buy.

Traditional coverage – the most difficult of all Long-Term Care underwriting. It is critical for these cases that the client complete the Medical Pre-screen tool prior to applying. This will save considerable frustration.

Lincoln Money Gaurd – this is the second most difficult underwriting and the process is not forgiving. After the advisor’s appointment for this specific product is complete, a telephone interview is conducted between the carrier and the client. There is no exam nor are any records obtained. The decision to offer or not to offer a policy is solely based on the telephone interview.

Nationwide Care Matters and One America (aka State Life) – these cases begin with a telephone interview and each carrier may go to issue based solely on that information but both also offer full underwriting. One America has by far the most lenient underwriting process.

The key to good underwriting is a great medical pre-screen!!



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Securities offered through IFP Securities, LLC, dba Independent Financial Partners (IFP), member FINRA/SIPC. Investment advice offered through IFP Advisors, LLC, dba Independent Financial Partners (IFP), a Registered Investment Adviser.

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