All of the following are long-term care underwriting considerations, EXCEPT:

All of the following are long-term care underwriting considerations, EXCEPT:



a. Post-claims underwriting is acceptable for insureds over the age of 80.

b. Applicants over age 80 applying for a LTC policy must undergo a physical exam.

c. An applicant_s insurability must be carefully established upon policy application.

d. The applicant must receive a copy of the application upon policy delivery.



Answer: a. Post-claims underwriting is acceptable for insureds over the age of 80.

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