[LTPC-discussions] Placing LTCI with diabetes
ltpc-disc@ltpcalums.com
ltpc-disc@ltpcalums.com
Mon, 21 Jul 2003 18:08:56 EDT
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Normally I would not promote an agency but this might be of some use. It is
getting harder and harder to place any LTCI if the person has diabetes. I had
licensed with a company for LTC but was more interested in their home care
plan.
Have a client that has diabetes, takes 50 units a day of insulin plus
retinopathy. Gave their underwriting a complete history and they said to write them.
She is 49 and works full time. No carrier would write her. Found out that
Colonial American will take up to 75 units of insulin a day, and even higher
depending on other conditions. Even rated at her age she can afford a
comprehensive plan.
Right now their underwriting takes insulin over 50 units a day. They have a
comprehensive LTC plan, a home health care plan, and a short term care plan.
Their rates down here in Florida were very competitive.
For those that want to look into this you can click on the link below for
their home page. The person in charge of brokerage is Jim Cressman at
1-800-872-3044. You can mention my name or not. does not matter. Just thought I would
pass this on since I am writing an application on someone that I did not
expect too.
Richard Moore
<A HREF="www.usa-cal.com">www.usa-cal.com</A>
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<HTML><FONT FACE=3Darial,helvetica><FONT SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=
=3D"Arial" LANG=3D"0">Normally I would not promote an agency but this might=20=
be of some use. It is getting harder and harder to place any LTCI if t=
he person has diabetes. I had licensed with a company for LTC but was=20=
more interested in their home care plan. <BR>
<BR>
Have a client that has diabetes, takes 50 units a day of insulin plus retino=
pathy. Gave their underwriting a complete history and they said to wri=
te them. She is 49 and works full time. No carrier would write h=
er. Found out that Colonial American will take up to 75 units of insul=
in a day, and even higher depending on other conditions. Even rated at=
her age she can afford a comprehensive plan.<BR>
<BR>
Right now their underwriting takes insulin over 50 units a day. They h=
ave a comprehensive LTC plan, a home health care plan, and a short term care=
plan. Their rates down here in Florida were very competitive. <=
BR>
<BR>
For those that want to look into this you can click on the link below for th=
eir home page. The person in charge of brokerage is Jim Cressman at 1-=
800-872-3044. You can mention my name or not. does not matter.&n=
bsp; Just thought I would pass this on since I am writing an application on=20=
someone that I did not expect too. <BR>
<BR>
Richard Moore<BR>
<BR>
<A HREF=3D"www.usa-cal.com">www.usa-cal.com</A><BR>
<BR>
<BR>
<BR>
</FONT></HTML>
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