Oct 03, 2014 - 10:33 AM
No LTC product whether it is traditional or asset based life insurance with LTC attachment will be offered to a person who has any form of diagnosed dementia.
There is a plan called True Freedom where care giving services in a person's home will be provided where there is no medical underwriting. The reason is because it is a membership plan where you pay for discounted hours to have care giving services.
There are other products which are available which will provide care services even if a person has certain chronic issues. There are benefits available for everyone based on health issues and affordability.