Total Living Coverage (TLC) Increases Limits and Updates
Underwriting Guidelines to Provide an Easier Underwriting
Process

Effective September 8, 2009, the TLC maximum Specified Amount limit will increase from $600,000 to $1,200,000.

Minimum Policy Size:

• $50,000 Specified Amount with 24 or 36 Month ABR
• $75,000 Specified Amount with 48 Month ABR

Maximum Policy Size:

• $25,000 LTC Monthly Maximum without inflation
• $15,000 LTC Monthly Maximum with inflation

We have changed our underwriting requirements in key areas, making the underwriting process more efficient and less time-consuming.

Take a look at some of our underwriting changes:

• For proposed Insureds ages 45-59, an EKG will no longer be required
• If the Proposed Insured's age is 60-69 and he/she has not seen a doctor in the past 24 months, in lieu of a current APS, we will require a Paramed Exam, HOS, Blood and, if not already on the list of requirements, an EKG
• If the Proposed Insured's age is 70-79 and he/she has not seen a doctor in the last
  15 months, in lieu of a current APS, we will require a Paramed Exam, HOS, Blood and, if not already on the list of requirements, an EKG
• If the long term care monthly maximum exceeds $15,000 for ages 70+, we will require a phone interview. This interview will use the Enhanced Mental Skills Test (EMST) cognitive screen

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