Protect Your Family & Finances With Long-Term Care Insurance
- Choice of Quality Care
- Reduce Burden on Family
- Protect Income & Assets
No junk mail. No spam calls. Free quotes.
You might be wondering...
What is Long-Term Care Insurance?
Long-term care insurance is an essential part of retirement planning for many, providing financial protection for your savings and assets against the rising costs of long-term care services like in-home care and assisted living as you age—while also relieving your family from the physical, emotional, and financial burden of becoming caregivers.
Puzzled about what Long-Term Care Insurance really covers?
Assisted Living
If living at home is no longer the best option, long-term care insurance offers coverage for assisted living facilities. These communities provide a balance of independence and professional support, allowing you to enjoy a safe, engaging environment with access to the care needed.
Staying At Home
When the time comes, a Long-Term Care Insurance policy provides the support you need to remain in the comfort of your own home. From assistance with daily activities to professional in-home care, Long-Term Care Insurance gives you the power to choose your personalized, high-quality care.
Assisted Living
If living at home is no longer the best option, long-term care insurance offers coverage for assisted living facilities. These communities provide a balance of independence and professional support, allowing you to enjoy a safe, engaging environment with access to the care needed.
You might be asking yourself, ‘Do I really need LTC Insurance?’
Without LTC Insurance
- Heavy caregiving burden on your family.
- Risk depleting your assets and income to pay for long-term care and qualifying for Medicaid.
- Limited to only facilities that accept Medicaid.
- Delayed care can lead to a reduced quality of life and higher care costs.
With LTC Insurance
- Allow your family to remain supportive loved ones— not stressed caregivers.
- Your LTC Insurance pays for your choice of long-term care services, preserving your legacy.
- Maintain control and independence of your quality care options.
- Safeguard your retirement income and assets to maintain your lifestyle.
Medicare or Medicaid: What’s the Difference?
Medicare / Health Insurance
May cover up to 100 days of skilled care, but only for rehabilitative purposes and under strict qualifications.
Medicaid
Only covers long-term care for those who meet strict income and asset limits, often restricting your choice of care providers and facilities.
ONLY LONG-TERM CARE INSURANCE COVERS YOU & PROTECTS YOUR FAMILY AND FINANCES
Get Started —
Right Away.
Ready to learn more and find free & accurate quotes? Let’s go.
Set the pace for preparing your own future.
The start of peace of mind is just around the corner.
Not sure when to start thinking about Long-Term Care Insurance?
Retirement Planning
You built up your savings and investments; now it’s time to strategize your retirement. Many people choose to plan ahead with Long-Term Care Insurance before it’s too late.
Ages 45-68
After all, age is just a number. However, most people look into Long-Term Care Insurance between the ages of 45-68, but not everyone. There are affordable options for those younger and older depending on your health.
In Reasonably Good Health
Taking advantage of obtaining Long-Term Care Insurance when you are still in reasonably good health makes you eligible for even more affordable rates.
You built up your savings and investments; now it’s time to strategize your retirement. Many people choose to plan ahead with Long-Term Care Insurance before it’s too late.
After all, age is just a number. However, most people look into Long-Term Care Insurance between the ages of 45-68, but not everyone. There are affordable options for those younger and older depending on your health.
Taking advantage of obtaining Long-Term Care Insurance when you are still in reasonably good health makes you eligible for even more affordable rates.
Curious about obtaining Long-Term Care Insurance?
Here are a few key points you should know about acquiring LTC insurance in the U.S. in 2025
Choosing independent insurance specialists you can trust is crucial for obtaining accurate and tailored quotes. Look for specialists with extensive knowledge of long-term care insurance, including a deep understanding of underwriting, policy design, and claims processes.
Long-Term Care Insurance is regulated at both the federal and state levels, meaning products and premiums are approved before being offered to the public. Your premiums depend on the benefits you select, your age, health, and other factors. To ensure you have the right amount of coverage—neither too much nor too little—make sure to get accurate quotes customized for you.
Securing the right coverage at the best price is essential. Work with an independent insurance specialist who can compare all the top insurers simultaneously, providing you with accurate and customized quotes that fit your needs and budget.
Choosing independent insurance specialists you can trust is crucial for obtaining accurate and tailored quotes. Look for specialists with extensive knowledge of long-term care insurance, including a deep understanding of underwriting, policy design, and claims processes.
Long-Term Care Insurance is regulated at both the federal and state levels, meaning products and premiums are approved before being offered to the public. Your premiums depend on the benefits you select, your age, health, and other factors. To ensure you have the right amount of coverage—neither too much nor too little—make sure to get accurate quotes customized for you.
Securing the right coverage at the best price is essential. Work with an independent insurance specialist who can compare all the top insurers simultaneously, providing you with accurate and customized quotes that fit your needs and budget.
Save. Protect.
Prepare.
Our time-tested process lets you work hand-in-hand with LTC Insurance Specialists.
Quotes From Trusted Long-Term Care Insurance Specialists
Your quotes are prepared by a pre-screened trusted independent Long-Term Care Insurance expert who understands the complexities of Long-Term Care Insurance. This licensed specialist can work with you, answer your questions, and quote all of the top insurance companies with long term care solutions.
The trusted specialists partnered with LTC News are top independent industry
veterans in their field and specialize in long-term care planning.
Some specialists have strong affiliations with both Christian and Jewish organizations, reinforcing their commitment to ethical service and community values.
Our specialists have helped 21,000+ people looking to find affordable Long-Term Care Insurance polices.
We Are Dedicated To Providing Accurate LTC Insurance Quotes
- Meet virtually from the comfort of your own home or office
- Gain clear insight and understanding of your specific situation
- Review and compare accurate insurance quotes side-by-side
Becoming a trusted specialist requires a commitment to excellence, ongoing education, and a dedication to providing reliable, compassionate service that consistently meets the highest standards of care and expertise.
To qualify, they must possess extensive experience in Long-Term Care Insurance, demonstrate deep knowledge of underwriting, policy design, and claims handling, and represent a comprehensive range of leading insurance companies.
Becoming a trusted specialist requires a commitment to excellence, ongoing education, and a dedication to providing reliable, compassionate service that consistently meets the highest standards of care and expertise.
To qualify, they must possess extensive experience in Long-Term Care Insurance, demonstrate deep knowledge of underwriting, policy design, and claims handling, and represent a comprehensive range of leading insurance companies.
Still Learning? Or Ready To Go?
If you are still learning the ins-and-outs of LTC insurance, keep scrolling to browse our free resources.
Done learning? Click the button and start preparing your seamless future.
Continue Learning?
Insurance Simplified
Our team of insurance experts compiled the resources you need to make an informed decision and find the right policy.