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PT Adantage is our LTC Impaired Risk outlet. Their "underwriting attitude" and methodology get policies issued. They use seasoned underwriters, mandated to "get things done". We make offers on 90% of the LTC cases within our guidelines (see beolw). The average underwriting issue time is 12 days, with no medical records needed on many cases under age 75.
Quotes are offered to age 89. It is best to preceed an app with an "Underwriting Questionnaire". This provides a 90-day "case protection" for a particular applicant.
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COPD & Severe Emphysema | |
Lobectomy | |
Manic Depression | |
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Cirrhosis of the Liver | |
Lupus | |
Sleep Apnea | |
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Hepatitis | |
Asthma | |
Organ Transplants | |
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Severe Diabetes |
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Cancer | |
Crohn's Disease | |
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Drug or Alcohol Abuse |
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Arthritis | |
Parkinson's Disease | |
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Stroke or TIA | |
Leukemia | |
Multiple Sclerosis | |
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Hemophillia |
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Renal Failure | |
Thyroid Disease | |
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Heart Disease & Disorders | |
Heart Attacks | |
Congestive Heart Failure | |
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Chronic Fatigue Syndrome | |
Many Others | For sample problem LTC cases Click Here |
Regetably we can not offer LTC on the following:
| X | AIDS or HIV Positive | X | Down's Syndrome | X | Cerebral Palsey | |
| X | Organic Brain Syndrome | X | ALS (Lou Gehrig's Disease) | X | Huntington's Chorea | |
| X | Psychosis or Schizophrenia | |||||
| X | Alzheimer's Disease, Senility, Dementia or Chronic Memory Loss | |||||
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