Introducing Pathwork’s AI Qualification Tool for Long-Term Care Insurance

Written By Ian Levinsky

AI-powered Long Term Care Underwriting

If you sell or distribute Long-Term Care (LTC) insurance, this is for you.

The LTC underwriting process is complex, with guidelines varying widely across LTCi, Hybrid, Asset-based, and Short-Term Care (STC) products. Agents often spend hours manually checking guidelines or drafting pre-qualification emails, only to discover clients don't qualify.

That changes today. 

We're excited to announce the launch of our AI-powered LTC qualification tool—designed specifically to help insurance agents streamline underwriting and confidently match clients to the right coverage, instantly. It’s a terrific extension from our term/permanent life insurance underwriting tech, helping both new and existing customers alike.

We are deeply grateful for the leadership, guidance, and partnership from the MasterCare team (Nathan Sanow, Erica Farrell) in designing this technology.

Why we built this:

Currently, agents either:

  • Manually review detailed carrier guidelines, juggle multiple criteria, and risk recommending the wrong product… a process that takes hours.

  • Send numerous pre-qualification emails, waiting days for responses.

With Pathwork:

  • Get instant eligibility assessments comparable to carrier underwriter responses.

  • Reduce time spent on ineligible applications.

How it works:

  • AI-guided assessment: Enter basic client information, and the AI prompts necessary follow-up questions.

  • Instant eligibility insights: Receive an immediate overview of suitable products, leveraging proprietary and public underwriting data.

  • Ask anything: Quickly get answers on carriers, products, or industry specifics.

We support top carriers including Mutual of Omaha, Nationwide, Thrivent, National Guardian Life, OneAmerica, Securian, Lincoln Financial Group, Aetna, and Manhattan Life…with more to come.

Agent & Client Benefits:

  • Fewer declines: Instantly identify suitable carriers.

  • Better client experience: Deliver accurate recommendations in minutes.

  • Higher placement rates: Improve qualification quality before submission.

Ready to simplify LTC underwriting? Visit https://www.pathworklife.com/ltc or contact us to schedule a demo and learn about pricing.

Ian Levinsky
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