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All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Approval for coverage under the policy and attached LTC riders is subject to underwriting and may require a medical exam. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.