Originally Posted by eersfan
They sure do. Family history plays a much larger role in LTC
than it does in life underwriting.
Beg to differ on that one.....until very recently there were no family history questions that counted against you in any way on LTC
....and now some, like MoO will not offer preferred if Alz or Dementia in immediate family...but most still do not care.
Life insurance on the other hand will essentially ALWAYS worry a lot about cancer, heart, and/or diabetes under age 60 in the family...just having it and/or dying from it......and can take you all the way from Preferred + down to Standard. It is true though that Life insurance does not care about Alz and dementia in family history.....if that is what you meant.