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Long-term care costs can quickly drain life savings. LTC insurance protects your assets and preserves your legacy for loved ones. 

Protect Your Assets

Don't leave your family struggling with care decisions and expenses. Give them peace of mind with proper coverage. 

Reduce Family Burden

The younger and healthier you are, the lower your premiums. Lock in affordable rates before health changes occur. 

Lock in Lower Rates

Choose where and how you receive care - at home, assisted living, or nursing facility. Maintain independence and dignity. 

Quality Care Options

From home care to nursing homes, LTC insurance covers a wide range of care services tailored to your needs. 

Comprehensive Coverage

Work with licensed agents who specialize in long-term care and can help you navigate your options. 

Expert Guidance

Answer a few questions about your age, location, and coverage needs. Takes less than 1 minute. 

Complete Form

Receive personalized quotes from 15+ A-rated insurance carriers. See side-by-side comparisons. 

Compare Options

Connect with a licensed agent who can answer questions and help you choose the best plan. 

Expert Consultation

Complete your application and get approved. Start protecting your future today. 

Get Coverage

"When my mother’s policy was issued she was enjoying the best of health. Less than two and a half years later, she developed a severe form of dementia which necessitated her being confined to a convalescent home. Her policy has already paid more than $50,000 towards her claim, and unfortunately there is no possibility she will ever get better. "  

- Christine H.

"I wanted to take this opportunity to let you know how much I appreciate the time and effort you put into researching my long term care options. Thanks, too for explaining everything in clear terms I could easily understand. You were very thorough in explaining the pros and cons of each option, and were patient in answering my many questions. This could easily have become a frustrating process for me, but you made it a pleasure! I am also truly grateful for your recommendation that I move forward with the federal long term care plan. Doing so meant that you did not make a sale, and this speaks volumes about your integrity and commitment to your clients. I am very grateful for having had the opportunity to work with you on my long term care needs." 

- Dale J.

"I want to thank you for your help with everything and for being different from what we expected. We talked to other people concerning LTC and decided to go with you because you were helpful and informative but not pushy at all. We were impressed with your patience with us and your explanation of the entire process. You advised us on all options, explaining each thoroughly so we could make an educated decision for our situation. You have also been so good about keeping us informed on a regular basis. I want you to know how much we appreciate you!”  

- Angela E.

What is long term care insurance?

Long-term care insurance helps cover the costs of care when you need assistance with daily activities like bathing, dressing, or eating. It covers care in your home, assisted living facilities, or nursing homes. 

When should I buy long term care insurance?

The ideal time to purchase is in your 50s or early 60s when you're healthy and premiums are more affordable. The older you get, the higher the premiums and the more likely you'll have health issues that could disqualify you. 

How much does long term care insurance cost?

Costs vary based on age, health, coverage amount, and policy features. A healthy 55-year-old might pay $1,500-$3,000 annually, while a 65-year-old could pay $3,000-$6,000. Getting quotes from multiple carriers helps you find the best rate. 

What does long term care insurance cover?

Most policies cover home care, assisted living, adult day care, nursing homes, hospice care, and respite care for family caregivers. Coverage details vary by policy, which is why comparing options is important. 

Will Medicare cover my long term care needs?

No. Medicare only covers short-term skilled nursing care (up to 100 days) following a hospital stay. It does not cover custodial care, which is what most people need. That's where long-term care insurance fills the gap. 

Is the quote really free with no obligation?

Yes! Getting quotes through our agency is completely free, and there's absolutely no obligation to purchase. We will need to learn a little about your health and coverage goals first. Put away the checkbook and get out the coffee.  We'll make it easy and educational!  

Have questions and need answers right away?

Our licensed agents are here to help.  Call us at (800) 704-9233