Michigan § 500.3939 - Application; questions relating to other policies in force or use as replacement; agent's list of other policies sold; notice to applicant and existing insurer; appropriateness of recommended purchase or replacement.

     "Notice to applicant regarding replacement of individual

        accident and sickness or long-term care insurance

             [Insurance company's name and address]

   Save this notice! It may be important to you in the future.

According to [your application] [information you have

furnished], you intend to lapse or otherwise terminate existing

accident and sickness or long-term care insurance and replace

it with an individual long-term care insurance policy to be

issued by [company name] insurance company. Your new policy

provides 30 days within which you may decide, without cost,

whether you desire to keep the policy. For your own information

and protection, you should be aware of and seriously consider

certain factors that may affect the insurance protection

available to you under the new policy.

1. Health conditions that you may presently have

(preexisting conditions) may not be immediately or fully

covered under the new policy. This could result in denial

or delay in payment of benefits under the new policy,

whereas a similar claim might have been payable under

your present policy.

2. State law provides that your replacement policy or

certificate cannot contain new preexisting conditions

or probationary periods. The insurer will waive any time

periods applicable to preexisting conditions or

probationary periods in the new policy for similar

benefits to the extent such time was spent under the

original policy.

3. If you are replacing existing long-term care insurance

coverage, you may wish to secure the advice of your

present insurer or its agent regarding the proposed 

replacement of your present policy. This is not only your

right, but it is also in your best interest to make sure

you understand all the relevant factors involved in

replacing your present coverage.

4. If, after due consideration, you still wish to

terminate your present policy and replace it with new

coverage, be certain to truthfully and completely answer

all questions on the application concerning your medical

health history. Failure to include all material medical

information on an application may provide a basis for the

company to deny any future claims and to refund your

premium as though your policy had never been in force.

After the application has been completed and before you

sign it, reread it carefully to be certain that all

information has been properly recorded.

__________________________________________________

(Signature agent, broker, or other representative)

[Typed name and address of agent or broker]

The above "notice to applicant" was delivered to me on:

                              _________________________________

                              (Date)

                              _________________________________

                              (Applicant's signature)"

     "Notice to applicant regarding replacement of accident

           and sickness or long-term care insurance

            [Insurance company's name and address]

   Save this notice! It may be important to you in the future.

According to [your application] [information you have

furnished], you intend to lapse or otherwise terminate existing

accident and sickness or long-term care insurance and replace

it with the long-term care insurance policy issued by [company

name] insurance company. Your new policy provides 30 days

within which you may decide, without cost, whether you desire

to keep the policy. For your own information and protection,

you should be aware of and seriously consider certain factors

that may affect the insurance protection available to you under

the new policy.

1. Health conditions that you may presently have

(preexisting conditions) may not be immediately or fully

covered under the new policy. This could result in denial

or delay in payment of benefits under the new policy,

whereas a similar claim might have been payable under 

your present policy.

2. State law provides that your replacement policy or

certificate cannot contain new preexisting conditions or

probationary periods. Your insurer will waive any time

periods applicable to preexisting conditions or

probationary periods in the new policy for similar

benefits to the extent such time was spent under the

original policy.

3. If you are replacing existing long-term care insurance

coverage, you may wish to secure the advice of your

present insurer or its agent regarding the proposed

replacement of your present policy. This is not only your

right, but it is also in your best interest to make sure

you understand all the relevant factors involved in

replacing your present coverage.

4. [To be included only if the application is attached to

the policy.] If, after due consideration, you still wish

to terminate your present policy and replace it with new

coverage, read the copy of the application attached to

your new policy and be sure that all questions are

answered fully and correctly. Omissions or misstatements

in the application could cause an otherwise valid claim

to be denied. Carefully check the application and write

to [company name and address] within 30 days if any

information is not correct and complete, or if any past

medical history has been left out of the application.

                                 ________________________

                                 (Company name)"