For demographic reasons, growth prospects for the long-term care insurance (LCTi) market remain attractive.  Agent frustrations, however, are mounting with ever tougher underwriting standards, longer underwriting turnaround times and rising premiums.  The result is a growing population of consumers who either want LCTi but don’t qualify, or want it but can’t afford it.  Fortunately, a metamorphosis of sorts is taking …

Read More »