Long-Term Care Insurance: Plan for Care Before You Need It
Coverage that helps pay for in-home care, assisted living or nursing care if you need help with daily activities later in life. Compare traditional and hybrid life/LTC options from multiple carriers.
Start my free long-term care reviewIndependent agency · Multiple carriers compared · No cost to request
Why plan ahead
Health insurance generally does not pay for long-term custodial care, and eligibility for coverage depends on your health when you apply. Reviewing options earlier usually gives you more choices.
Traditional and hybrid options
We compare stand-alone LTC policies with life insurance policies that include LTC benefits.
Benefits explained
We explain daily benefit, benefit period, elimination period and inflation protection in plain English.
Carrier-neutral
As an independent agency we compare carriers rather than representing a single company.
No pressure
You get options to review in your own time. Deciding not to buy is a fine outcome.
How it works
Three steps. Free, and no obligation at any point.
Tell us your age, health, budget and the type of care you want to plan for.
We show long-term care options available to you with benefits and costs side by side.
You review plans in your own time and choose whether and when to enroll. Nothing is bought until you apply and the carrier approves.
Start your free long-term care review
This is a request for a coverage review and quote — not a checkout and not an application for coverage. A licensed professional reviews your details and contacts you. Submitting this form does not purchase or bind any coverage.
We never sell your information. You can opt out of communications at any time.
Honest answers to common questions
What does the review cost?
Nothing. The review and quotes are free, and there is no obligation to buy. If you choose to buy a policy through us, the carrier pays us a commission — you do not pay us a separate fee.
Doesn’t Medicare cover long-term care?
Medicare generally covers only limited skilled nursing care, not ongoing custodial care. We are not affiliated with Medicare or any government agency.
Can my premiums go up?
Premiums on many traditional LTC policies are not guaranteed and can increase with state approval. Some hybrid policies have fixed premiums. We explain the terms on each option.
Is coverage available in my state?
Availability depends on where you live and on our licensing and carrier appointments. If we cannot help in your state, we will tell you directly rather than pass your details on.
What happens to my information?
We use it to prepare your review and quotes and to contact you about your request. We never sell your information. See our Privacy Policy for details.
Ready to plan for long-term care?
Start with the free review. Also consider our whole life review.
Start my free long-term care review