Long Term Care (LTC) is needed when a chronic condition such as Alzheimer’s or stroke makes it too difficult to function independently. It covers a broad spectrum of services from home care to adult day care and assisted living, to nursing facility care.
LTC insurance may be your best option to help cover the future costs of care. It protects assets from serious erosion, while allowing access to quality care in the most appropriate and desirable setting. Some consider LTC insurance a gift to their families, unburdening them from caregiving responsibilities, while at the same time, providing “inheritance insurance.”
Certain pre-existing health conditions may make it impossible for you to qualify for LTC insurance. But if you are in relatively good health, now is the time to start the process.
It makes financial sense to consider Long Term Care insurance now because securing coverage today is far more economical than applying in the future.
Buy Before Your Next Birthday. Your age when you apply will impact your premium payments for as long as you have insurance. Once you’re insured, premiums do not increase just because you get older. Waiting doesn’t pay—if you purchase sooner, you will pay less over time.
Chances Are You’ll Never Be Healthier. You’ll save significantly—as much as 20% annually—if you qualify for a preferred health discount. You’ll receive the discount for the lifetime of the policy, regardless of future health changes. As you age, your chances of qualifying for preferred rates will likely diminish. If you wait too long, a sudden decline in health could even become a barrier to obtaining coverage.
Schedule your no-obligation 15-minute telephone consultation today. Compare rates and features from leading insurers. Sponsored group, preferred health, and married/partner discounts available.
Taking the first steps can be intimidating. Our Long Term Care specialists are here to assist. Using their considerable experience, they’ll help you navigate the options to find the best Long Term Care insurance for you.
Our Long Term Care advisors specialize in Long Term Care insurance—it’s the only thing they do. They’re not affiliated with any single insurance company and, therefore, they have no insurance company bias. They’ll help analyze your family’s circumstances and recommend a plan customized for your needs and your budget.
For information without obligation:
Call 800-704-9233, weekdays 8:30am – 5:00pm Pacific Time, and by appointment.
E-mail firstname.lastname@example.org to request additional information, ask a specific question, or arrange a phone appointment.
You will incur no cost to ask questions, but the advice you receive could be priceless.
*Not all discounts available in all states.
What You Need to Know About LTC
Care or Companionship
Real Life Stories: Peace of Mind for The Long Term
Tax Advantages for Business Owners
Headquartered in Bellevue, Washington, our partner—Long Term Care Associates, Inc. (LTCA)—helped found the long-term care insurance industry in 1972 and for nearly 50 years has dedicated itself exclusively to this specialized field. Licensed coast-to-coast, LTCA’s advisors are not beholden to any one carrier, but instead offer a Best Choice model which gives families access to leading plans tailored to their needs.
LTCA’s advisors have spent 20 years or more as LTC insurance professionals, on average, consistently ranking among the leaders of their peers by the American Association for Long-Term Care Associates and seeking advanced designations such as CLTC (“Certified in Long-Term Care”). As innovative solutions such as asset-based life and annuity products have emerged, LTCA’s advisors have led the way in learning when such recommendations are appropriate.
Featured carriers include Mutual of Omaha, National Guardian Life, OneAmerica, Lincoln Financial, Nationwide, Securian and Aetna.