I am sorry to hear what you have been going through. And, of course, it is too late to do anything about it unless you are fairly young in "old folks' terms since the older you are when you first buy long term care insurance the more expensive it is....

My understanding is that they can ask for medical records related specifically to the accident and claimed injuries; that they are not to be asking for a blanket release. I'd suggest you consult with an attorney over how to handle this. I know the po...

And the catch is the people who have no one to help them who are cognitively impaired so can't manage this on their own likely will use an agent. IF they have an agent doing this for them AND that agent isn't doing what @ArmandS423314 is doing then t...

I agree with you. There are some states (not many) who have issued statements condemning insurance companies doing this and stating that doing so is not consistent with their state's insurance rules. Unfortunately they are in the minority. There need...

And fortunately some agents are doing exactly what you are doing. Others on that insurance forum are saying they won't write them with no commission and some are even stating that they won't even tell their clients about them (no commission ones). Th...