Long Term Care
We’re here to help.
Learn more about your options. No obligation. No fees. Discover discounts and explore alternatives if you don’t qualify for traditional LTC. Continue browsing below and request an appointment to get started.
Long Term Care (LTC) includes medical and non-medical services for those with chronic illnesses or impairments who cannot function independently.
As LTC costs continue to climb, LTC insurance is increasingly critical to helping cover the future costs of care.
Long Term Care Insurance Highlights
- Coverage for a wide range of services. Home care, adult day care, assisted living, and nursing facility care.
- Flexible options for coverage. Our advisors can explain a range options from traditional LTC policies to hybrid and linked-benefit products.
- Discounts are available for up to 20% if you qualify for a preferred health discount. Sponsored group and married/partner discounts are also available.*
- Premiums do not increase just because you get older and buying earlier can mean a lower premium.
What to Expect When You Meet With An Advisor
- Consultations are free– and the advice you receive could be priceless
- An advisor will
- compare rates and features from leading insurers
- recommend plans based on your needs and budget
For information without obligation:
Call 800-704-9233, weekdays, 8:30am – 5:00pm PT, (11:30am – 8:00pm ET), and by appointment.
Fill out the form at the top of this page to request an appointment.
*Not all discounts available in all states.
Frequently Asked Questions
When should I buy LTC insurance?
Waiting too long to buy a policy can be very costly. Experts recommend purchasing a policy when you’re in your 40s or 50s, when you’re likely still healthy, and before you develop a condition that could require care. Our LTC specialists can help you develop a plan that’s appropriate for both your current financial situation and your future objectives.
How much coverage do I need?
Your ideal coverage will depend on your budget, your geographic location, and your individual preference for future care options. Your decision to purchase will also depend on how much care you anticipate receiving from family members and friends.
What if I never need long term care?
For people who are concerned about their future LTC needs but not certain that traditional policies are the solution for them, there’s a newer kind of insurance option that is growing in popularity. Often called “hybrid,” “linked-benefit,” or “combo products,” these policies typically incorporate LTC benefits with a life insurance policy or annuity. Our advisors can explain more about the various options available.
After I speak with an advisor, am I under any obligation?
No, our advisory services are complimentary, and there is no limit on the amount of time our advisors can spend with you. Our licensed experts are here to help with planning and also with the purchase of insurance products.
Partner
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.
If you need a quote or an application or simply have questions, call 800-704-9233 (8:30am – 5:00pm Pacific Time). Trained customer service representatives will be happy to provide the information you need. And naturally you’ll be under no obligation.
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