Long Term Care, Critical Care, Life, & Annuity Solutions for Brokers, GA's & BGA's


Resize Text Insurance Advisors, Inc. Insurance Advisors, Inc.
Underwriting Long Term Care Insurancen Policies

Pre-Underwriting Saves Sales


A broker had a client age 58 that had bladder cancer 24 months ago. The client’s BCG treatments had ended 6 months ago. He was looking for Long Term Care Insurance with a brand name carrier and wanted to get it right away as he was dealing with a parent and did not want to wait to get coverage.

Our Solution:

We pre-underwrote the case and found out the following from brand name companies:

  • Three would not consider until it had been a year since the last BCG treatment
    • After the year passed two companies would offer a Standard rate at best
    • The third company would consider a Preferred rate after one year.
  • We found one company that would accept the insured now at a standard rate

How Plan was implemented:

  • We had the broker apply with the company that would issue a standard rate now.
  • After the policy was issued we waited 6 months and applied with the one company that would consider a Preferred rate.
  • The policy was issued in the Preferred class.

Result & Benefits Provided:

  • Client received the coverage he wanted immediately with the first company.
  • Although we rarely replace a policy this was what was best for the client as the preferred rate saved them a great deal of premium dollars.
  • Due to outstanding service the broker received 6 referrals at time of delivering second policy.


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Insurance Advisors, Inc.

Phone: 614.471.7191, 800.471.7191
E-mail: info@ialtc.com

Long Term Care Insurance

  • Co-Founders of America's Long Term Care Insurance Experts
  • IA Sits on the American Society of Actuaries LTC Think Tank
  • Developed methods, systems, and sales tools to aid in your success
  • New & Veteran agents find success working with us Click to learn more

Life & Annuity Sales

  • Sell more in less time with less hassle
  • Impaired Risk, Simplified Issue, Guaranteed Issue
  • Competitive contracts and great companies help brokers Place Difficult cases

Contact us

Insurance Advisors Co-Founder of
America's Long Term Care Insurance Experts
Employer Sponsored LTCI (Multi-life)
Insurance Advisors, Inc.
Individual Long Term Care Insurance

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Insurance Advisors, leaders in LTCI, is a long-term care insurance broker based in Columbus, Ohio. We specialize in Individual LTCI, multi-life long term care insurance, group LTCI, Traditional LTCI and Combo LTCI, and key person long-term care insurance. Our LTCI brokerage has helped find long term care insurance solutions since 1994. Contact us for a free quote or more information. LTCI brokers Columbus Ohio, Bexley, worthington, Lewis Center, Powell, Gahanna, Bexley, Dublin, German Village, Grandview Heights, Granville, Grove City, Groveport, Hilliard, New Albany, Pickerington, Powell, Reynoldsburg, Upper Arlington, Whitehall