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Before my retirement at age 62 in 1995, I devoted 30 years of providing professional life and health services and products, on a corporate as well as an individual basis to the people in my community. As a CLU and a ChFc, it was just a part of my job to handle questions and problems, such the ones you have outlined. If someone told me today that I could buy LTD or LTC, I wouldn't even waste my time, and I know I could buy life insurance Your agent said 7 weeks to underwrite?? Any company would love to use your money free for a couple of months "underwriting".--when they say no, will you get any interest on your money? Are they? And if they say "maybe" or "yes':,----subject to ....etc, I would spend a long time reading the fine print. Health Insurance companies do not buy claims-- and that is what they would be doing. Why on earth you would be concerned about releasing the name of the Company totally escapes me, unless you are ashamed about applying with a poorly rated company (and you should be). I am sure the Company wouldn't mind free publicity and would like to to release their name. Who knows -it might help the decision making!! --I really am curious as to your reasoning. And to the outcome.