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Date of Birth
Spouse/Partner – Both Applying
Spouse/Partner – Only One Applying
Date of Birth
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
District Of Columbia
, 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.
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
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.
5 Years[85% of claims are 5 or less years]
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
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
If you're buying this thinking of using in the future, include inflation protection.
5% Compound Benefit Increase