For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
AssurityBalance® Long-Term Care Insurance
For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
November 10, 2010CNN Article
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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.3
For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
Assurity Life is the result of the merger of three longtime insurers—the earliest founded in 1890
Headquarters in Lincoln, Nebraska Other product lines: Disability Income, Critical Illness, Life Insurance
& Annuities Licensed in every state except in New York Rated A- (Excellent) with stable outlook by A.M. Best
About Assurity Life Insurance Company
Opening Fall 2011
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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.5
For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
The Assurity and LifeCare Partnership
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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
Lower Loss RatiosThe measure of effective underwriting
Lower Premium RatesMade possible with a good risk pool
Stable PremiumsThe end result of a quality risk pool
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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
Helpful Hints
Get familiar with your client’s medical history, including all medications taken.
Cross reference medical conditions and medications with the Field Underwriting Guide.
Pay special attention to height/weight and smoking status – any cigarette use in the last 12 months.
Contact us for prescreening assistance.
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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
Cases Not to Submit
Previously declined for LTC Insurance Clients who are disabled Insulin-dependent diabetics Stroke/TIA Cancer within two years Co-morbid conditions:
– Diabetes and cardiac condition– Smoking and heart disease– Smoking and diabetes– Obesity and diabetes, heart disease, and/or smoking
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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
Sample Profiles For Rate Classes
Preferred
Nonsmoker Weight no more than 50% above the average
on Build Chart No medical conditions of significance Working full time Active No medications from the lists of uninsurable
drugs or drugs not eligible for the Preferred rate.
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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
Select
Smoker
Weight more than 50% above the average on Build Chart
Medical history such as coronary bypass, angioplasty, depression, arthritis, non-insulin controlled diabetes, internal cancer after two years
Sample Profiles For Rate Classes
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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
Standard
Significant conditions (emphysema, ulcerative colitis)
Co-morbid conditions (heart and lung disease, rheumatoid arthritis and fibromyalgia)
Morbid obesity
Sample Profiles For Rate Classes
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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
Questions?
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Contact your local Plus Group office for more information.
Go to www.plusgroupus.com and click on the office locator map
to find an office near you or call (800) 831-1018
For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
AssurityBalance® Long-Term Care Insurance
For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.
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