THE PROBLEMS WITH TRADITIONAL LTC INSURANCE:
1. CAN'T QUALIFY - LTC underwriting has tightened dramatically in recent years, making it difficult for many people to qualify.
2. FUTURE UNCERTAINTY - even if your clients can qualify, and can afford the high premiums NOW, a future rate increase may force them to drop their policy
3. USE IT OR LOSE IT - even if no Long-Term Care benefits are needed, all premiums paid into the policy are non-refundable.