I regularly hear that it is difficult to obtain Long Term Care Insurance; actually, I hear this about all forms of Living Benefits. In fact, it is not that difficult to obtain, the process is just different. Our industry has done a pathetic job in training advisors on how to qualify their clients. Many clients who encounter difficulty qualifying for Life Insurance may actually be able to qualify for Long Term Care insurance. I was once asked by an insurance advisor who had had both cancer and a heart attack if he could qualify for Long Term Care Insurance. Subject to certain conditions, the answer was yes. The best advice that I can, as either a client or a financial advisor, is to use the insurance company’s Pre-screening guide. I will even take it one step further and say that regardless of the product you are going to present, use the Pre-screening guide prepared by Desjardins Financial Security. Their guide is clear, simple, and complete. Of course, it is developed with Desjardins’ underwriting philosophy in mind, but it will give you a reasonable idea of what the other carriers may do.