A: All long-term care insurance premiums are medically underwritten, which means you should be in relatively good health when you apply. Each company approved to sell the insurance has an underwriting guideline that will determine your insurability. Depending upon the company, certain conditions are uninsurable. Some companies will require a paramedic exam and request medical records from your doctor, a telephone interview, a face-to-face interview o9r a memory screening. If you are determined to be uninsurable, you can look into a life insurance policy with a chronic illness rider.