How to Get Long Term Care Insurance Quotes

Before you request quotes, decide the design

Comparison only works when every carrier prices the same thing. Fix these first (guidance in choosing a policy):

• Monthly benefit matched to care costs in your area, not the national average
• Benefit period (3-year pools are the value baseline; couples should price shared care)
• 90-day elimination period unless you have a specific reason otherwise
• Compound inflation protection — the feature that separates real coverage from a token benefit

Health classes decide your real price

Carriers assign Preferred, Standard, or Substandard classes — or decline. Conditions like insulin-dependent diabetes, a recent stroke, oxygen use, or any cognitive impairment are commonly declinable; arthritis, controlled blood pressure, and BMI outside guidelines shift your class. Two practical implications: quote before health changes, and work with someone who can pre-screen your health against multiple carriers' guides, because each insurer treats the same condition differently.

The quote-gathering path

1. Set your design using the pages above.
2. Request quotes from at least 3 carriers — an independent LTC specialist or comparison service pulls these in one pass.
3. Line them up feature-for-feature with the comparison checklist — especially inflation compounding and the fine print on home care.
4. Check each carrier's rate-increase history — a cheap quote from a carrier with repeated in-force increases is not cheap (see why premiums rise).

Frequently asked questions

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