<html xmlns="http://www.w3.org/1999/xhtml"><head><meta charset="UTF-8" /><title></title><meta name="Generator" content="PowerTools for Open XML" /><style>span { white-space: pre-wrap; } p.s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal { font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } span.s97ff3075-b79a-4a68-9d7c-15796e7991f9000000 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } p.s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001 { text-align: center; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } span.s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000002 { font-family: Times; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000003 { color: #0000FF; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } p.s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004 { text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } span.s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000005 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000006 { font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } p.s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000007 { text-align: center; font-family: Times; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } span.s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000008 { font-family: Times; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000009 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: italic; font-weight: normal; margin: 0; padding: 0; } p.s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000010 { margin-left: 0.45in; text-indent: -0.45in; text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 18pt; line-height: 108%; margin-top: 0; margin-right: 0; margin-bottom: .001pt; } span.s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000011 { font-family: 'Times New Roman', 'serif'; font-size: 18pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } p.s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000012 { text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 18pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } p.s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000013 { font-family: Times; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } span.s97ff3075-b79a-4a68-9d7c-15796e7991f9000014 { font-size: 10pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } </style></head><body><div><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">DEPARTMENT OF LABOR AND REGULATION</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">DIVISION OF INSURANCE</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">RESPONSE LETTER</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">LONG-TERM CARE INSURANCE SUITABILITY LETTER</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">Chapter 20:</span><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">06:21</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">APPENDIX G</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">SEE: §</span><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000002"> </span><a href="https://sdlegislature.gov/Rules?Rule=20:06:21:53.03"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000003">20:06:21:53.03</span></a></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000001"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">    </span><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000005">Source:</span><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont"> 28 SDR 157, effective </span><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">May 19, 2002.</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000006"><br />&#x200e;</span><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000007"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000008">Long-Term Care Insurance Suitability Letter</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">Dear [Applicant]:</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">Your recent application for long-term care insurance included a "personal worksheet," which asked questions about your finances and your reasons for buying long-term care insurance. For your protection, state law requires us to consider this information when we review your application, to avoid selling a policy to those who may not need coverage.</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">[Your answers indicate that long-term care insurance may not meet your financial needs. We suggest that you review the information provided along with your application, including the booklet "Shopper's Guide to Long-Term Care Insurance" and the page titled "Things You Should Know Before Buying Long-Term Care Insurance." Your state insurance department also has information about long-term care insurance and may be able to refer you to a counselor free of charge who can help you decide whether to buy this policy.]</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">[You chose not to provide any financial information for us to review.]</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">We have suspended our final review of your application. If, after careful consideration, you still believe this policy is what you want, check the appropriate box below and return this letter to us within the next 60 days. We will then continue reviewing your application and issue a policy if you meet our medical standards.</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">If we do not hear from you within the next 60 days, we will close your file and not issue you a policy. You should understand that you will not have any coverage until we hear back from you, approve your application, and issue you a policy.</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000009">Please check one box and return in the enclosed envelope.</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000010"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000011">¡%</span><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">      </span><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000005">Yes</span><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">, [although my worksheet indicates that long-term care insurance may not be a suitable purchase,] I wish to purchase this coverage. Please resume review of my application.</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000012"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000011">¡%</span><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">      </span><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000005">No</span><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">. I have decided not to buy a policy at his time.</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">__________________________________________             ______________________________</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont">APPLICANT'S SIGNATURE                                                 DATE</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000009">Please return to [issuer] at [address] by [date].</span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000004"><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000000"> </span></p><p dir="ltr" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9Normal-000013"><span class="s97ff3075-b79a-4a68-9d7c-15796e7991f9DefaultParagraphFont-000006"><br />&#x200e;</span><span xml:space="preserve" class="s97ff3075-b79a-4a68-9d7c-15796e7991f9000014"> </span></p></div></body></html>