Preferred, Standard and Secure

Secure underwriting class is assigned either to clients who choose to bypass underwriting or to clients who are placed in the class based on underwriting criteria, including responses to the five health questions, the digital risk score and, in certain cases, the video underwriting assessment.

Preferred and Standard are more favorable classes than Secure, meaning premium dollars purchase a higher long-term care benefit. Underwriting is required to potentially qualify for Preferred and Standard classes.