Tick Tock Goes the Biological Clock

Long term care insurance differs from other insurance when it comes to underwriting, ie. deciding who the company will or will not insure due to health issues.

That’s why you can’t take chances with your biological clock, ticking away as it is…
LTC insurance companies are concerned about MORBIDITY, not about MORTALITY. Their underwriters look at dependency risks, not at death risks. They do not want to insure someone who is likely to soon become dependent upon care, whether at home or in a facility. This is why rate structures are so favorable for those who insure early as the basis of their long term financial plan, so please request your rate quotes as soon as possible.

As an example, a person who has had a heart attack in the past is much more likely to be accepted by a long term care insurance company than someone who is overweight with osteoarthritis or highly insulin-dependent diabetes. Likewise, a cancer patient is more acceptable to an LTCi company than someone who smokes and has chronic respiratory problems, or a person who is becoming forgetful. Folks with ongoing health conditions have more chance of being declined for long term care insurance.

People who have undergone recent back surgery or a knee or hip replacement may still be insurable, but there can be a waiting period of months to years before they will be accepted, depending upon other health issues like your recovery time, your weight, the LTC insurance company and state laws. This is where assistance from your Buyer’s Advocate is invaluable, because it is not good to apply and be declined, as this can rise a red flag on your record.

Of course, if you smoke or are obese, then you are putting both your health and your ability to obtain long term care insurance at risk. You may want to consider quitting smoking and/or reducing weight in order to obtain the insurance benefits you want at a lower premium cost. On the other hand, waiting to obtain LTC insurance is a gamble, especially since it can be quite difficult for some folks to stop smoking or lose weight. You want a guide to help figure this all out and do it right.

If you have any health issues at all, make sure to click here to find out whether you may be eligible for long term care insurance BEFORE submitting your request.

If you currently enjoy good health, simply click here now to submit your request.

The Buyers Advocate will contact you personally and provide you with prompt rate quote comparisons plus professional, cost-cutting decision assistance.

In this process, every money-saving opportunity is uncovered, based on your health and circumstances. So now is the best time to start: Submit your request now, and get your free comparative rate quote!