Underwriting multi-life LTC

By Steve Savant

Ash Brokerage Corporation


There is such a difference in the underwriting assessment between mortality and morbidity products, especially with long-term care. Add to that multiple lives on a census spreadsheet that can direct the insurance professional to underwriting approach, such as modified guaranteed issue, simplified issue and full underwriting. Steve and Maria discuss the census, participant requirements and the enrollment options for LTC in a corporate environment.