Art Stein, CFP with SPC Financial Inc. in Rockville, Md. has been selling LTCI for about 18 years. One trend that he’s noticed is stricter underwriting standards. He cites the case of an applicant who had a past history of asthma but had been symptom-free for years. If she had applied for coverage 10 or even five years ago she would have received preferred pricing, Stein believes, but instead she was given a standard health rating.