Can You Be Denied Long Term Care Insurance? 
Long Term Care Insurance is a morbidity insurance product . Medical underwriting investigates health history and current medical condition . Unlike life insurance which is a mortality insurance product , long term care underwrites prior events both injury and disease . As we age , morbidity events are more likely to occur . If the morbidity underwriting debits are too negative to overcome health credits from an underwriting balance sheet point of view , the application will be denied . Its important to secure long term care insurance when youre young and healthy , when the underwriting classifications are more favorable and the premium is less expensive . 