The bells and whistles are critical though, although it seems you feel otherwise. Given that nobody knows whether LTC will face massive rate increases in the future, a survivorship benefit is huge for a healthy couple that is looking at this for 15-25 years down the road. Anyone who sells health insurance or has ever bought health insurance should easily see the value in a survivorship benefit. Just think if they were available and you bought one of those 25 years ago before health insurance costs exploded, spouse died, and now your policy is paid up for life instead of going up 25% a year, meanwhile your spouse is long gone.
Also given that most people would prefer home health care to a nursing home or assisted living facility, 0-day EP for home healthcare is also important to have. I'm sure you know that the HHC benefit also counts towards the elimination period chosen for the base policy, even if the care isn't being done on a daily basis. Do you have a lot of clients that buy an unlimited benefit? Must be some wealthy clients...
Also given that most people would prefer home health care to a nursing home or assisted living facility, 0-day EP for home healthcare is also important to have. I'm sure you know that the HHC benefit also counts towards the elimination period chosen for the base policy, even if the care isn't being done on a daily basis. Do you have a lot of clients that buy an unlimited benefit? Must be some wealthy clients...