Why Individual Policies

Group carriers must generate additional revenue to offset the higher claims caused by guaranteed issue. Yet, when LTCi is voluntary most employees will not knowingly sacrifice to support guaranteed issue.

So, to pay for guaranteed issue carriers must generate extra revenue in hidden ways. Unfortunately, these methods are detrimental to a majority of applicants.

By using underwritten individual policies we offer in-depth education and transparency which allows employees to get greater value for their money.