long term care insurance underwriting guide

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1、LONGTERMCAREINSURANCEUNDERWRITINGGUIDEPROVIDEDBYTHEGENWORTHUNDERWRITINGDEPARTMENTLongTermCareInsuranceUnderwrittenbyGenworthLifeInsuranceCompany,andinNewYorkForagentuseonly.NotforusewithbyGenworthLifeInsuranceCompanyofNewYorkconsumersortobedistributedto

2、thepublic.AdministrativeOffices:Richmond,VA.8544005/07TABLEOFCONTENTSTABLEOFCONTENTSINTRODUCTION............................................................................................................................iFIELDUNDERWRITING...............

3、................................................................................................iiLTCUNDERWRITINGISUNIQUE..............................................................................................iiiUNDERWRITING–MODIFIEDVSNON-MODIFIED

4、..................................................................ivMODIFIEDUNDERWRITINGREQUIREMENTS.........................................................................ivNON-MODIFIEDUNDERWRITINGREQUIREMENTS..........................................

5、.....................ivDECLINEDAPPLICATIONS.........................................................................................................vAPPEALINGANUNDERWRITINGDECISION.........................................................................

6、...vUNINSURABLESITUATIONS......................................................................................................vUNINSURABLECONDITIONS.....................................................................................................viU

7、NINSURABLEIMPAIRMENTCOMBINATIONS......................................................................viiiAlcoholicLiverDisease......................................................................................9Alcoholism.............................

8、...........................................................................10(Alcoholabuse,Ethanolism,ETOHdisease).............................................................................10Alzheimer’sDisease..................