Does your client own a business or have influence in getting a new employee benefit offered? A multi -life LTCI program may allow your client to obtain coverage.
As mentioned before a1c readings, insulin used per day, and
height and weight will all have an impact.
We have an exclusive with Transamerica on their new LTC product which has 4 rated underwriting classes with benefit limitations in addition to Preferred and Standard. While not a true "sub-standard" product like Penn Treaty's Secured Risk we have had some good results for those with issues.
They stopped selling new business about 4 years ago but just started again the beginning of the year. Our parent company LTC Global has the exclusive to distribute the product. If you are interested let me know, it is priced very competitively for couples.