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LTC Free Quotes
Free long term Care Insurance Quotes - The Best Rates With The Best Companies — as of
GuideToLongTermCare
provides quotes and extensive information about long term care and long term care insurance.
LTC Insurance Quote
Get a quote for the best rates from the highest-rated long term care insurance companies.
How To Get A Free Quote
All you have to do is click on Quote 1, Quote 2, or Quote 3 above.
You can click on more than one. A new window will open for each.
You then can fill out the quote form and just wait to receive your quotes by email.
The quote links we provide have the best companies and the best rates available nationwide.
Who Needs Insurance?
Anyone concerned about providing for their potential future needs and looking to protect their life savings and assets for themselves, their family and heirs.People who don't own a home or don't have savings or assets are not at risk of losing them to long term care costs. They are on the road to Medicaid (welfare).
Insurance will allow you to stay in your home longer. It will cover home care, assisted living, and nursing home costs. No other insurance you have does this.
What is long term Care?
long term care is the care you need when you are no longer able to care for yourself. It can be personal care, such as help with bathing, eating or dressing required over a lengthy period of time.It can range from assistance in your own home to assistance required in a residential care facility, or it can be highly skilled care in a nursing facility.
Half of all Americans will require some long term care. Are you prepared? If not, plan while you have choices.
How much does LTC Insurance Cost?
An average long term care insurance policy with a top company that pays $5,000 a month benefit for 3-years would cost a 50 year-old $2,300 a year, a 60-year old $3,100 a year and a 70-year old $6,300 a year.
Is that a lot of money? Some think so. Those that don't have seen their parents or spouses or friends go through $250,000 in long term care expenses. It's not only cheaper to buy when you're younger, you may not health qualify later.
Do you think you are going to live a long life? If so, could you need care? If so, are you willing to pay out of your nest egg for care? In 15 years it will cost over $100,000 per year for care (it does already in NYC).
We know of people today who have already spent over $250,000 on their long term care. Do you think they thought insurance was unnecessary a month before their health changed? Sure they did, just like you they didn't think anything would happen to them.
If you're thinking of maybe insuring in a few months or years you should know this: health changes without warning. If you're waiting to insure you're saying "I'm willing to risk our life savings that I might be right."
Unless you can predict the future and know that you will die before needing care you are at risk every day and as you get older the risk increases. We haven't even brought up the other long term care subjects of being a burden, access to quality care, maintaining control and being independent.
Get your quotes. If you can afford it, if you can health-qualify, if you can get past denial, get insured.
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