“ENTER YOUR ZIP TO REQUEST FREE SIDE-BY-SIDE LTC POLICY COMPARISONS”
Date of Birth Month Day Year
Applying For Alone Spouse/Partner – Both Applying Spouse/Partner – Only One Applying
I'm a NON-smoker
I take prescription meds
Do any of these medical conditions apply to you?
I've been hospitalized the past 5 years.
, in the next step we'll customize your quotes and provide cost of care data for .
Please provide your contact e-mail/phone number.
Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
, in this last step we’ll gather a few final details to prepare your quote. The benefits questions are optional, but are helpful if you are familiar with how these work.
Daily Coverage
Long-Term Care Insurance policies pay a daily amount towards home care, assisted living, or nursing home. Home care is the most common claim, with 75% of claims starting at home.
$100/day or $3,000/mo
$150/day or $4,500/mo (California Average)
$200/day or $6,000/mo
$250/day or $7,500/mo
$300/day or $9,000/mo
Plan Duration
Average claim: 2.9 years. Assuming you don’t have a crystal ball, you don’t know how long you’ll need Long Term Care for. The chance of needing Long Term Care is 1 in 2, but the chance of needing it for over five years is much smaller. Like any insurance, you may buy this and never use it, so finding a balance is key.
2 Years
3 Years
5 Years[85% of claims are 5 or less years]
10 Years
Unlimited Benefit
Return of Premium
Add this option and you’ll be able to leave your beneficiary the total sum of all of your premiums paid, less any claims you’ve made. If the thought of buying this and never using it bothers you, guarantee a return of funds with Return of Premium.
Add Return of Premium
Home Health Care on Day 1
Coverage for care at home is available with no waiting period. This 10-15% extra option is the most popular add-on rider.
Quote with no Waiting Period for Home Care
Shared Coverage
Women make longer claims than men, on average. Hedge your risk with your spouse by adding a Shared Care rider to your policy.
Quote a Shared Plan
Inflation Protection
If you're buying this thinking of using in the future, include inflation protection.
5% Compound Benefit Increase
