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How to cut LTC declinations on older applicants. (Underwritting).(long term care insurance)(Brief Article)
National Underwriter Life & Health-Financial ServicesEdition
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January 21, 2002|
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COPYRIGHT 2002 The National Underwriter Company. This material is published under license from the publisher through the Gale Group, Farmington Hills, Michigan. All inquiries regarding rights should be directed to the Gale Group.
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How does the declining age of long term care insurance applicants affect underwriting?
In the past, insurance agents who sold LTC were said to be in the retiree market (age 65+). Their professional lives were filled with daytime seminars and midday appointments in their prospects' living rooms.
But today, many LTC agents are instead concentrating on the pre-retiree market (ages 50-65).
Underwriting data suggests this shift is a very smart move. The declination rate for applications is directly related to applicant age. (See chart for declination ...
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