Individual long-term care: underwriting Blog added by Steve Savant on November 6, 2013
Steve Savant

Steve Savant

Scottsdale , AZ

Joined: January 28, 2005

Morbidity underwriting is not the same as mortality underwriting, and long-term care really shows the stark difference between preparing and packaging a case. The basic classifications are limited to three underwriting categories: preferred, standard and substandard. Most long-term care advisors illustrate standard because of the statistical odds of a standard offer. Steve and Maria talk about some of the pre-screening techniques that help advisers perform a bit of field underwriting to pre-qualify a prospect.

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