Insurance Agent Forum

[medicarebenefitsdirect]

Who do you find has the best group LTC rates?

[Cindy C. Ward]

Depends on the size of the group. Personally, I prefer multi-life cases. They have all the benefits of group and none of the down sides. Totally portable upon issue. Can get simplified underwriting with the right number of participants. Can personally design plans for each insured or do a "small, medium, and large" multiple choice. Unless you just love eating elephants, I suggest this alternate approach.

[Graham]

I agree with the multi-life coment. All the benefits without the hassle. It's a portable for the employees and depending on participation MGI and discounts are available. I like the Transamerica multi-life product and unlike many carriers there is no commission haircut with the multi-life product which is nice.