The Ins and Outs of Underwriting LTC/CI Products and Riders
Despite the constant pace of change in the life insurance industry, one thing remains the same: Underwriting can make or break a large case. To make matters even more complex, what is a major underwriting issue at one insurance company is often not as significant a concern at another.
That’s where an underwriter like Ken Turscak can make all the difference. Join us for The Ins and Outs of Underwriting LTC/CI Products and Riders in which Ken will discuss understanding the key differences between underwriting morbidity versus mortality.
Topics Will Also Include:
The four distinct protocols carriers use when underwriting LTC and CI Riders
The niches these four approaches create and how they can benefit your clients
When to think about pursuing an asset-based solution versus a rider on a traditional life product
A case design and policy management discussion investigating the use of these riders on Indexed Universal Life and other accumulation-focused products
Kenneth Turscak, FALU, FLMI, ACS is our resident Chief Underwriter. Ken has more than twenty years of underwriting experience. In 2015, he and his team were responsible for assisting with the placement of more than $56.5 million of target life insurance premium.