Long Term Care Insurance is one of the most widely discussed and volatile markets in the country. With changing companies, stricter underwriting guidelines, new gender specific rates and numerous and substantial rate increases, the LTC market requires careful review on the part of the consumer.
CRBA has contracted with most major carriers, including Mutual of Omaha, Transamerica, Genworth and Prudential, to insure complete comparisons for the consumer.
One of the most troubling concerns in this market is not how a healthy 60 year old will be able to address his or her needs. A far greater concern is for those people who may not be able to qualify through conventional channels.
CRBA has assembled a package of benefits that may be available to many people who have been declined by the major carriers.
In many states, we can offer near guaranteed issue Home Health Care Insurance plans which offer full coverage for Alzheimer’s and dementia. No exams….only two questions. Most policies issued in 3-5 days!
We also may be able to help with “condition specific” exclusions which again, will provide full coverage for Alzheimer’s and dementia.
If you or your loved ones have been denied Long Term Care coverage, we may be able to help.