Underwriting

Quality underwriting is essential to a successful LTCI program. LifeCare’s strict underwriting philosophy assures that the risk profile of the insureds will follow the product pricing. We provide agents with an easy-to-use underwriting guide that classifies applicants by their health conditions. Among the keys to our underwriting success are:

• Unparalleled underwriting staff averaging 25 years experience (12 years in LTCI)
• Predictable underwriting requirements
• Consistent underwriting decisions
• Industry-leading policy issue time service
• 80-85% issue rate