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I've only written life insurance. Is there a big learning curve when getting into Ltc?
Competitive options are Mutual of Omaha, Mass Mutual, Life Secure, Genworth, Lincoln, OneAmerica (State Life), National Guardian Life. That is it.
hancock can be competitive as long as you explain to your client to not buy any inflation projection and to reject the GPO increases every year. Transamerica can be very competitive too.