LTCi Declines
We help you turn your LTCi declines into approvals!
Submit
a
case for
pre-approval
How I discovered this
I've been specializing in long term care insurance since 1995. My first year at the career agency, I was told that if any of my applicants were declined, that I should submit the business to a "sub-standard" company.
I blindly obeyed that advice and submitted an application for one of my first declines. He was approved by the "sub-standard" company. A few months later I got a "replacement notice" in the mail. I called him up and told him that he was not going to be able to get approved by any highly rated insurer. He told me that he already had been approved with a standard rate. I didn't believe him. I went to his house and he showed me the policy. He was approved by an A+ rated insurer--one of the better LTC insurers in the country.
I was shocked. But, I learned a very valuable lesson in my first year in the business:
Every LTC insurer has a unique way of looking at health history. Just because one top insurer declines an applicant does not mean that every company will.
Click here to see if we can get your
"hard to place" LTCi case approved.
Our
"Declines into Approvals" Success Ratio is 83.7%
Click here to see a list of some recent
"hard to place" cases we've gotten approved!