Long Term Care Insurance

When it Comes to All Things Long Term Care, We've Got You Covered




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Top Reasons to Apply Today

Your Good Health Buys Your Coverage

Insurance companies will review your health history to determine approval or declination of your application.
If your health changes by the time you decide to apply, you may be uninsurable.

Issue Age Rate

Rates are based on your age when policy is issued. Rates do not increase as you age.

Affordable Long Term Care Plan

The plan choices you select determine your premium for LTC insurance.

What is my Risk of Needing LTC?

Why would you handle the risk of LTC any differently than you handled the other risks?

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Risk of getting into
an auto accident

1Bureau of the Census Data, 2000 and 2000 data collected from the federal Highway Administration, November 2001

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Risk of
becoming disabled

2ARS-AFM Administrative and Financial Services, Retirement and Benefits, LTC Care Basics Q&A article, Section: It Can Happen at Any Age, January 7, 2003

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Risk of needing LTC

(ages 18-65)

3Long Term Care. AHRQ Focus on Research. AHRQ Pub No. 02-M028, March 2002. Agency for Healthcare Research & Quality

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Risk of needing LTC

(ages 65+)

4US Department of Health and Human Services. “National Clearinghouse for Long Term Care Information.”  2011. 


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