Modified Underwriting Guidelines for Major Depression and Family History

Just because your client has anxiety and/or depression does not mean they are ineligible for Long Term Care insurance. Each case will be considered based on the documented medical information including prescription history.

Given the extent that we have seen Major Depression rise in our review of medical records, we are changing the way we approach our final decision. Before a case is declined for any psychiatric reason, the case will be reviewed by an underwriting committee. Each case will be evaluated on the available information.

Review the new Major Depression, Anxiety, and Long Term Care Underwriting flyer for additional details and tips to help you field underwrite. Click to view/download, or access it by visiting the Agent Resource Center.
 

 

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