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Archive of Past Discussion Board
Please Note: Posting Functions for this Board will no longer function!
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Author: Susan
Date: 02-06-05 17:09
Someone, I thank that person, has suggested that we contact AF&L re: a LTC policy.AS some of you may remember, I recently asked about LTC companies that had liberal underwriting.Do any of you have any information about this company? I ask, because not much seems to be mentioned on the Internet about them.Once again, any help, comments or information would be greatly appreciated.
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Author: Arthur Rudnick
Date: 02-07-05 09:11
Susan;
Each company looks at medical conditions differently. One company may be liberal on a particular medical condition and others may not. You need to sit with a broker who represents a number of companies. Disclose your medical history and see if your condition is insurable.
Arthur
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Author: Steve Eads, CLU
Date: 02-07-05 09:16
Susan, you have true grit!!! I wish you well.
Steve Eads, CLU
www.LTCiPro.com
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Author: Susan
Date: 02-07-05 19:22
Sorry, I was given bum info. They are not in NH. However, if anyone can give us similar companies that are up here, we would greatly appreciate it. As far as " grit" is concerned, determined is more like it. Being an active healthy person who has had zillions of tests, MRI's etc., despite numerous medications, I am probably a much lower risk than most others but I guess the underwriters do not look beyond their noses.
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Author: Arthur Rudnick
Date: 02-07-05 20:09
Susan;
You say:
"Being an active healthy person who has had zillions of tests, MRI's etc., despite numerous medications, I am probably a much lower risk than most others but I guess the underwriters do not look beyond their noses."
It seems obvious that your take on your medical history is somewhat different than what appears in your medical records.
Insurance company underwriters are for the most part, very qualified in their jobs. Many are doctors and nurses and they are concerned with your potential use of long term care services down the road.
You state that you've had "Zillions of Tests" and you're taking numnerous medications. Obviously, there's something going on that the companies just do not feel comfortable with.
As stated in my earlier post, you can't just look for a "liberal" company and expect to have a policy issued. There is only one way to go about this properly and that's to meet with a broker who represents various companies in NH. Lay it out on the table and disclose your full medical history. That's the ONLY WAY to find out if there's a chance of getting a policy.
The reality is, you have some medical issues that may just not be insurable with any company.
There is no one on this or other LTC bulletin boards that will tell you what you want to hear and that is: "In your opinion, you're a good risk and getting a policy is no problem."
If you've had 2 speeding tickets and 2 accidents, I doubt a company will issue you auto insurance, no matter how good a risk you personally think you are.
Arthur
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Author: Steve Eads, CLU
Date: 02-08-05 13:16
Art, just bow out gracefully. It's a useless effort. All that can be said here has been said.
Next topic...please.
Steve Eads, CLU
www.LTCiPro.com
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