Cliff and BCKitty:When we were buying our GEF policy, a major point was made of this... where the premium couldn't be raised unless it was being raised for the age group, AND that GEF, being the original offeror [circa 1977 IIRC?] of LTC insurance had NEVER made such a move...With the caveat that "past performance is not a guarantee... etc, etc..."I believe he hauled out one or two examples who did have histories of raising... ["they were overly aggressive in trying to sell policies and unrealistic in where they set premiums, etc..."]But if they decide they need to increase premiums, GEF is NOT barred from doing so... so far, so good...BB<keeping all paws and fingers crossed>
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