Pre-Qualifying & Underwriting For Long-Term Care Planning


One challenge of Long-Term Care (LTC) Planning can be taking your clients through the underwriting process; regardless of the insurance solution, your client will need a "thumbs up" from the insurance carrier before their plan can be implemented.  


This means any serious discussion about LTC Planning must include a review of a client's current health and health history, and this may help determine which carrier or solution to recommend, as underwriting guidelines vary from carrier to carrier.  While you don't need to be an M.D. or have a Master's degree in biology, this process will require asking clients about their medical history, and that can get a bit "interesting" sometimes. 


To make the process as professional as possible, we recommend you simply download the Medical Questionnaire found below and have it ready to go.  When the time is right, simply place it in front of your clients, and ask them to complete it so you can begin the medical qualification process.  


To ensure the most effective and positive underwriting outcomes, consider forwarding the form to us for review.  If there is further info needed or complicated medical issues necessary to assess, we can help you work through the process to reach the best possible outcome.


Don't look at underwriting as an obstacle; just consider it part of the process and know that INERTIA is here to help..... 

LTC Planning Assessment & HALO Analysis
LTC Planning Assessment (2022).pdf
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