Can I Purchase LTC Insurance for My Mother Without Her Knowing?

The answer to this question is no. The person who will be insured must consent to the coverage by signing an application. They must also be fully aware of the purpose of the application, understand the policy benefits, and understand the underwriting process.

However, a person may pay the premium for another person. In many cases, children pay the premium for their parents' LTC insurance coverage. If there are several children, splitting the premium may make LTC insurance an affordable option for people who could otherwise not afford it.

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