If you are in excellent health, then please get started - To submit your request, Click Here Now
If you are thinking about applying for a new policy, please be aware that certain pre-existing conditions can make it impossible for some folks to enroll. If you have any health issues, read this page before submitting your request.
Save yourself some time. Do not fill out the form if you CURRENTLY:
* Use a multi-pronged cane, crutches, oxygen, walker or wheelchair
* Require assistance with bathing, dressing, feeding, toileting, urinary or bowel continence, or transferring between bed or chair
* Use/need home health care, adult day care, assisted living or nursing home care
* Require assistance with grocery shopping, use of transportation, use of telephone or banking
Do not fill out the form if you have CURRENTLY have:
* AIDs or HIV infection
* Alzheimer's
* Amyotrophic Lateral Sclerosis (ALS)
* Cystic Fibrosis
* Dementia
* Hemophilia (other than Von Willebrand disease)
* Active Hepatitis C, Non-A, Non-B, or Autoimmune
* Kidney Failure
* Liver Cirrhosis
* Memory Loss
* Mid - Advanced Multiple Sclerosis
* Muscular Dystrophy
* Paralysis
* Parkinson's Disease
* Post-Polio Syndrome
* Schizophrenia
* Sickle Cell Anemia
* Systemic Lupus Erythematosus
Every LTCi company has their own underwriting standards. Each company's underwriting standards may vary by state, according to each state's laws.
Note: As you increase in age, so does your risk for health issues. Therefore, most LTCi companies will require medical records for people over 45, medical records and phone interview for people 50 and over, and medical records plus a face-to-face interview for people over 70.
Be aware: If you think you can slip your health issues by the underwriters, then think again. First, lying on your application is fraud. Second, it is the underwriter's job to be very thorough when looking through your medical records and assessing risk. Be honest with yourself and the LTC insurance company you choose.
If you are not insurable, then we are truly sorry. We know how it feels, as unfortunately we, ourselves, are now uninsurable. Please tell those you love about prepsmart.com, so that they can protect themselves while they are still in good health.
If you fall within acceptable guidelines, then "congratulations"! Simply proceed with your FREE comparative rate quote request to get your Buyers Advocate decision assistance.
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