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I can't speak for why LW might have decided not to allow templates on PCs other than in the DMG templates are described as: "modifications that can be applied to an existing monster". So, a PC isn't a monster I guess. But I guess it depends on your point of view.
That said, a trick is to hit Ctrl-K on your PC and switch it to an NPC. Apply the template and then hit Ctrl-K and change it back to a PC. *Abracadabra*, the template stays on the PC.
Some of the DMs I know that use HL won't allow a template on a PC, preferring to use adjustments and other things that can be taken away or turned off (since a template like werebear can be cured). It's a matter of preference though.
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