94% of Applicants are Approved for ForeCare*
No medical exam. Just a simple application.
The average ForeCare1 application process typically takes just 30 minutes on the phone. Your clients simply need to meet the height and weight requirements and answer questions about their medical history to find out if they qualify. Applicants may also be asked to participate in a simple memory and logic exercise via a 15-minute phone call. 94% of applicants have been approved for ForeCare* and approvals usually arrive on the same day.
*Based on 2019 results; 80% approved Premier, 14% approved Standard.
1 ForeCare is for non-qualified funds only. There is a monthly cost associated with the long-term care benefits rider, which is based on the insured’s issue age. The contract value at month-end is never reduced below the contract value at the prior month-end (less any applicable withdrawals) due to the cost for the long-term care benefits rider.