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MutualCare Solutions

We take a big picture approach to LTCi underwriting by evaluating applicants based on a variety of criteria:

  • Health History
  • Cognitive Status
  • Daily Activities
  • Ability to Perform ADLs & IADLs

Underwriting Guidelines

Issue Ages

30-79

30-75

Rate Classes

Preferred (15% savings)

Select (100%)

Class I (125%)

Class II (150%)

Underwriting Requirements

Medical Information Bureau (MIB)

All applicants

Pharmaceutical Check

All applicants

Medical Records

All applicants

Personal Health Interview

Telephone: ages 30-64

Face-to-face: ages 30-79 (younger ages at underwriting discretion)

Face-to-face: ages 30-75 (younger ages at underwriting discretion)

Cognitive Assessment

Ages 30-79 Cognitive Assessment (younger ages if history of CVA, TIA, memory loss, depression, or if application was mailed)

Ages 30-75 Cognitive Assessment (younger ages if history of CVA, TIA, memory loss, depression, or if application was mailed)

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