Pre-Work For Underwriting

This past week on LTC Coffee Break, we spent a little extra time talking about some of the tools that OneAmerica makes available to you in an effort to improve the underwriting experience.

If you didn’t have a chance to watch, check it out.

LTC Coffee Break Espresso Shot 7/12/2022

For additional LTC Coffee Break episodes, you should go to the LTCCB Channel.

Remember, a new idea episode is shared every Tuesday at 10 am and is available on demand exclusively

Every week is something new.

Some of the underwriting tools that we shared with you are:

Care Solutions Underwriting Guide

Pre-Underwriting Inquiry Form – This is a fillable form that you send directly to our underwriting team to preview a case and secure guidance on whether we can offer coverage, whether the policy would be rated, and what products & riders may be available.

Ineligible Impairments Asset Care – Use this with your client to pre-qualify from a health perspective.

Ineligible Impairments Annuity Care – Use this with your client to pre-qualify from a health perspective. (note: the ineligible impairment list for Annuity Care differs from Asset Care)

Step by Step Guide to Receiving Long Term Care – In my opinion, the best product neutral long term care support guide that I have seen produced by any carrier. (You need to order this in hard copy and share with your clients.)

One final point that I want to make – often, we receive the hard to underwrite cases that our peers have passed on. If we are going to get those cases, please expect a longer underwriting cycle and don’t be surprised if we fully underwrite the case. Afterall, our peers passed on it.

With that in mind, I want to plant a seed. If they are such a great partner but are not willing to work for your business (underwrite), are they really that great of a partner? I want your business and we will work to earn it. All you have to do is give us the opporutnity.

Give me a call with your next asset based LTC case, I look forward to earning your business. You can contact me via email at or call me at (678) 512-9627.

On August 26 at 10 a.m. at the Hartford Club (46 Prospect Street, Hartford CT), you can join Michael Florio and me when we reintroduce the only deferred annuity product approved in Connecticut that offers tax-free long term care benefits.

You can register by scanning or clicking on the QR code.

Included will be CE, parking, refreshments, and the opportunity to learn about the best kept secret in long term care funding.

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