1. William Bridgers
    Specialist, LTCi, DI, Annuities, Life, Designs In Life, LLC, Utah
    No.  Allstate used to market long-term care insurance through Lincoln Benefit Life, but has not done so for at least 5 years.  All long-term care policies sold by Allstate through LBL are being fully administered and claims paid as approved.

    Since the carrier is not currently marketing LTC insurance, no new premiums are coming in.  As a result, policy holders of this carrier's long-term care plans of insurance are likely to experience increases in premium in the 30-50% range.  Such an increase occurred in 2010.  However, while those percentages seem extremely high, consumers need to understand that in spite of the increase, the higher premium is probably still a bargain compared to what LTCi costs today.

    Carriers that increase premiums are making every effort to help people keep at least some of their coverage by making adjustments to benefits, features, or riders going forward.
    Answered on July 8, 2013

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