Policies LTC13 and LTC13-AG are both individual long term care policy forms. The policies and their rates are identical. Each policy will be individually underwritten and issued to the individual insured. We plan to sell policy LTC13-AG on a multi-life basis to association, sponsored, and common employer groups. We will use policy LTC13 for all other sales. Please see Attachment A for a detailed list of the forms that comprise our long-term care forms submission.
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