This is the easiest level of underwriting to pass and is only offered to eligible s who have been employed for 180 days or more. You will need to answer 3-5 basic health questions. If you answer yes to any of the questions, please contact us, as you may not be considered for a policy.  If you answer no to the questions, most applications are approved within 2-4 weeks.

Pharmacy Screen

A report is pulled of all prescribed medications and the physicians who prescribed them to you over the past 5 years.  Some medications can be used for very different health issues.  If a medication is correlated with an uninsurable health condition, and shows up on your report, may request additional information from the physician who prescribed it in order to understand what condition it is actually treating. If this happens, you will be notified by .  Please call your doctor and let them know you applied for long term care insurance, and ask them to promptly reply to the request.