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WHY DO PEOPLE GET DECLINED FOR LTC INSURANCE?
People get declined for numerous reasons but the greatest one by far is miscommunication with your agent. You may think a certain ailment is "no big deal" but in conjunction with others can signal a big deal to an LTC underwriter. Please be thorough and honest with your agent. They can only help you, if you help them. Sleep apnea is a big deal. High blood pressure even controlled is a big deal. Certain supplements. Another reason are unknown comments put into doctor's records