*   Premiums assessed from the above submissions will be emailed to you without cost.

*    Your LTC  illustration will include "standard", "preferred" or "preferred plus"    
categories and related premiums generated for that category of health.   

*    Alternative options ( changes to elimination period, daily benefit, years or
life-time coverage, C.O.L.  etc. ) will be created at your request.

*    If you choose to go forward, the long term care  Insurance process requires a short    
telephone interview with rarely any physical medical requirements needed

*    Based on your age, the underwriters may require a face-to-face interview
with the intention of conducting a memory test.  

                                          That's it.

*    Underwriting requirements include their review of medical records available
through the Medical Information Board.

*    Once approved,  you then have 30 days to review the benefits of the LTC
Insurance policy, can increase or decrease all benefits and premiums at your
choice including the cancellation of the policy and a full refund of your first
month premium without obligation.  

*     Should you terminate the process, your only loss will be the approved health
category provided from the application process which may be different in the future.

*     For additional information, include comments and requests in the question
area above. All responses will be made by email or phone ( if requested)
and will be provided automatically with each illustration emailed.
 
SELECT STATE:
*
Phone No.:
PREMIUM APPROXIMATIONS
Discount applicable upto 2 persons per household
*
Email:
* Required Fields
MONTH:
DAY:
YEAR:
Your name: (1)
*
DATE OF BIRTH:
GENDER: (1)
FEMALE:
MALE:
MONTH:
DAY:
YEAR:
DATE OF BIRTH:
Partner / (2)
Spouse name:
*
DAILY BENEFIT:
$$ PER DAY
*
GENDER: (2)
FEMALE:
MALE:
Inflation ( Protection)
*
*
Elimination (Daily Period before benefit begins)
*
Benefit  ( x 365 )
Premium Mode
*
HEALTH ISSUES - RECORDS ON FILE WITH M.I.B * ETC.:  (The following confirms "YES" or "NO" information on Record)
Your Questions, comments, or concerns on your HEALTH ISSUES or above requirements::
*
* Medical Information Bureau - for more information, CLICK HERE:
Other Issues +
Prescription
Drugs (Noted
Below):
 
CANCER:
DIABETES:
HEART
ATTACK:
CHOLESTROL
ISSUES:
HIGH BLOOD
PRESSURE:
General Underwriter Categories
available when submitting
Long Term Care information below
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