For those of us lucky enough to make it into our 60s and 70s, applying to a long-term care insurnace plan can be a nerve-wracking experience.  Many applicants worry that their health histories, and what is in our medical records may be looked upon with scorn by potential underwriters.  Our experience has shown that many of these fears are unfounded.  Even a client with high blood pressure, controlled under medications, can apply for and be approved at Preferred Plus rates with some carriers if they have otherwise good health and live an active lifestyle.MY advice to new applicants to long-term care plans is to give it a shot, and if in doubt “double-app” to multiple carriers at the same time.  Because you have a free-look period after policy issue, there is no risk with qualified plans.  Ask us and we’ll be happy to assist you.