Is long term care insurance right for you?

You are the best judge as to whether you need long term care insurance. What we can do is provide you with the information you need in order to make an informed decision.

With over half of Americans at risk for needing long term care, especially women, it's easy to see why so many are purchasing long term care insurance while they can still qualify and afford it.

"Time waits for no one" as the saying goes so it's not a matter of if you or your spouse will need long term care, but when‚ and when that happens, how will you pay and what will be the consequences to those around you?

Once someone has been diagnosed with a health problem, or has an accident, illness or surgery where they need care, then long term care gets their attention, but by then it's too late. You can't get fire insurance after the fire.

If you think that by putting off deciding you are not making a decision, you just decided. Until you have insurance you are self-insured, risking your life savings. The only thing protecting you from long term care today is your health, and you know that your health change in an instant. Could today be your long term care 11th hour?

The first step is to find out if long term care insurance is appropriate and affordable. Read more about it below and then request a confidential quote by filling out the form. We only use this information to provide you with a quote which will be emailed to you.

Once you get a quote and qualify you can apply for insurance simply by calling toll free 1-888-582-2464 or emailing us. We will send you the underwriting application forms by email or postal mail with instructions and if you want we can go over them with you as you are filling them out. There is no obligation.


What are your choices?

  1. You can pay out of your life savings. Once savings are gone then you may qualify for Medicaid.
  2. Government assistance with Medicaid welfare health care.
  3. You can protect your life savings and family with long term care insurance. Is this protection something you want?

What will care cost?

  1. The average cost per person for long term care is $75,000 a year. How long can you afford to pay out of savings?
  2. Because of consequences financial advisors recommend LTC Insurance to protect your life savings and your assets.

Who to insure with?

  1. We only work with strong financial companies with good claims history.
  2. When you are healthy you have the option of the better companies and better rates.
  3. If your health changes before you're insured you have fewer choices and it will cost more.















Can you wait to insure?

  1. Sure, you'll just pay more and as long as you don't have a health change that would leave you uninsurable. You lock in your health and age rate by insuring now.
  2. If you can't afford this insurance now you probably can't afford it later.
  3. Can't decide? Is 2 months enough time "think about it?"

How much is insurance?

  1. Most people first want to know what LTC insurance costs and what it covers.
  2. To find out just fill out the form below. We then pre-qualify you and email you a quote from a top company based on your age and health.
  3. If the quote is within your budget you then can apply for approval which takes 2-6 weeks.

What to do now?

  1. There are only 2 steps: 1) pre-qualify using the form below or call to pre-qualify then 2) you apply for approval.
  2. If approved you have 30 days to keep, change, or cancel the policy at no risk.
  3. With the approval time and the 30 day cancel option you have about 2 months to "think about it." Is that enough time?















PRE-QUALIFY - Get a pre-qualified quote by email.

Use this form to receive a pre-qualified quote for long term care insurance based on the top companies or call us at 1-888-582-2464 to pre-qualify. There is no obligation in order to receive a quote.

We do not use your information for anything other than for providing a quote. Quotes will be based on current rates from the top long term care insurance companies like MetLife, John Hancock, Prudential, and Genworth, as of . You can call us toll free at 1-888-582-2464 or email us if you have any questions.

This form is to receive a quote and not an insurance application. The application is done separately. After you pre-qualify you can request an application using the Apply for Approval form at bottom.


First Quote
Second Quote
First Name or Initial :
 Spouse/Other*:
First Applicant Age
Weight:
Lbs.		 Height:
Ft. In.
Spouse/Other Age
Weight:
Lbs.		 Height:
Ft. In.
Required, quotes are state specific: City: State :
Status
Single Married Partner/Sibling
E-mail to send quote: (*required, quotes are emailed)
Phone:
Best time to contact you: AM PM

Do you (or spouse/other) have any health problem that might disqualify you from long term care insurance, health insurance or life insurance?
Self Spouse
If yes explain here:
Do you (or spouse/other) use tobacco? If quit when?

When do you want to start your protection?
Please tell us how you found our website?
You can also email any questions or if you think you need to provide any additional information about your health.


Enter the day of the week here: — this prevents spamming.

APPLY FOR APPROVAL - Request an application by email or postal mail.

We send the application with instructions and will go over them on the phone with you and answer any questions. There is no difference between applying for insurance with us or any other company, agent or broker since we offer the same LTC insurance companies. We have insured people just like you all across America.

There is no obligation to see if you can qualify.

Email address :
Postal address :
Street address
City
State
 Zip


Call us toll free at 1-888-582-2464 or email us if you have any questions.


* siblings, partners, friends, etc. of same generation that share living expenses may qualify for a multi-life discount.