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Multi-Life & Group LTCi

Multi-Life Long Term Care Insurance

There are two types of long term care offerings in the employer setting, true
group and multi-life. A true group plan is one in which employer is the policy
owner and each employee receives a certificate of insurance. Multi-life is when a
list bill is utilized and individually owned contracts of insurance are issued.

Each company's approach to underwriting needs to be evaluated on a
customized basis making the need for expert advise and support very
important. Minimum participation requirements vary from company to company
and when they are met, eligible employees (and sometimes spouses) qualify for
"streamlined" underwriting. There are three types of "streamlined" underwriting
available in the employer setting:

1. Simplified Issue - The company asks minimal health questions but may
pursue further underwriting for cause.

2. Modified Guarantee Issue - Underwriting takes place strictly on the
application. If the eligible applicant answers no to all questions he/she will be
issued with no further underwriting.

3. Guarantee Issue - No health questions are asked.

The lowest minimum participation requirement for "streamlined" underwriting is 3
empoyees. All of the America’s Long Term Care Insurance Expert’s carriers offer
employer sponsored discounts for groups that meet the minimum participation
requirements. The discounts vary 5-10% off the standard rate structure.

When using our hands-on approach, we provide a customized presentation for
your business client and we will even help you present the need in person or via
gotomeeting.com. We also provide the tools for the "do-it-yourself" agents.

The companies we represent:

Genworth