When it comes to your clients inquiring about long term care coverage it is important to understand that their health plays a huge roll in whether or not they will qualify. Some products are more generous in their underwriting than others, but it is helpful to figure out which product fits your clients’ needs the best. We can help you shop the products to make sure the best option is chosen for your clients.
Pre-qualifying can help save you a lot of time and avoid disappointment if a case ends up being declined. Keep in mind that pre-qualifying cannot guarantee that a case won’t be declined, but the odds are better if we can ask an underwriter first. Sometimes clients ‘look’ healthy but have a lot of medical problems going on underneath the surface. Things such as heart disease, diabetes or history of cancer, for example, may not be visible to the eye. Most people have some type of health issue, especially in their older years. However, the good news is, even people with pre-existing health conditions can still qualify for long term care.