We authored this website to provide you with buying guides and information, so that you can make an educated choice and pay the lowest premium available. We do not sell insurance.
About Long Term Care Insurance:
Long-term care (LTC) insurance is important if you want to preserve your estate and
independence. LTC insurance can save you thousands, and it may be one of the most likely
types of insurance that you have in your lifetime.
Long term care insurance policies are for people who:
- Want to preserve their estates
- Don't want to burden family members with their care
- Want to preserve their independence and dignity
- Don't want to go to a nursing home
- Don't want to rely on government welfare
- Want a bed reserved in a long term care facility
- Don't want to transfer assets out of their names
- Want their residential, adult day care, and respite care paid for
Long term care insurance plans are not for people who:
- Don't want to pay any premiums from fifty to several hundred per month
- Have recently been hospitalized or take many medications
- Are already receiving worker's comp, Medicare, etc.
- Are broke
- Have children that take care of them full time
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