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LTCi Underwriting Guides

The following Underwriting Guides will help you identify insurable, borderline and uninsurable risks.

Should you need assistance, call GoldenCare USA at 800-842-7799, or complete our LTC/STC/Hybrid PreScreen Form. Or use the Underwriting Hotline Numbers provided below to contact carriers directly.

MutualCare® Solutions Underwriting Guide  (Custom Solution & Secure Solution)
MutualCare® Solutions Product Guide  (Custom Solution & Secure Solution)

United of Omaha Living Promise Underwriting Guide

GTL’s Critical CASH Agent Rate & Underwriting Guide (50% Loss Ratio)
GTL’s Critical CARE Agent Rate & Underwriting Guide (55% Loss Ratio) – OHIO

  • Pre-Qualification Help:
    Phone: 800-635-1993, (Refer to the product: Critical Cash / Critical Care, and specify Pre-Qualification)
    Or Email und@gtlic.com with “Pre-Qualification” in the subject line.

NGL’s EssentialLTC Underwriting Guide

Thrivent LTC Underwriting Guide

Securian’s SecureCare Impairment Guide

Should you need assistance, call GoldenCare USA at
800-842-7799 or the Underwriting Hotline Numbers provided above.