The Basics About Bridge Simplified Underwriting

* All clients are approved for Bridge LTC benefits if they pass annuity suitability requirements and underwriting is optional.

* No medical records are required.

* Clients who bypass underwriting receive Secure (the most conservative) underwriting class.

* Clients who participate in underwriting may receive a more favorable rate class of Standard or Preferred, which results in more LTC benefits for their money.

* Many applicants receive an underwriting decision right away based on answers to the five questions and automated risk review.

* Some clients will need to also complete a live 30-minute video underwriting assessment.