Once you’ve realized the need and potential risk for long term care insurance, then what? What’s the process for shopping for LTC and how can you make sure to get the best rates for the right plan that fits your situation. Let’s just say you’re very lucky to be asking that question now and not 10 years ago. With the advent of the internet, the entire process just became much simpler and we’ve taken it a step further to put all the relevant information in one place. Let’s go shopping!

First, a trip back to the “Dark Ages” of Long Term Care or any insurance for that matter. It usually involved you sitting around a table with a licensed LTC insurance agent as your eyes glossed over dozens of rate tables, brochures, and pages that were invariably created by NASA!! It was horrible. If you wanted to run a rate for someone, you might as well bring out the protractor. Any change to the core policy, say a different waiting period or some policy rider, and you would have to shift over a new rate guide and potentially multiply base rates by percentage increases. It’s hard to believe that this still exists (and it does). The Internet has changed all that and not a moment too soon.

You can now run multiple carriers, plans, and options in seconds right from your living room, laptop, or even cell phone. Being in this industry for years, it’s really quite amazing and liberating. Based on a few pieces of demographic information (age, gender, etc) and a few key policy settings (waiting period, daily amount, inflation, etc), we can provide a quote for you across multiple carriers and our quote will automatically find the best rates for your given situation. Obviously, the quote is a starting point since health can affect the final offer by the carrier but we can compare apples and apples at least to narrow the field to the best carriers and plans according to our needs. As nice as that sounds, the rates don’t help much unless we understand what policy settings to choose and how to really evaluate these plans which brings us to the next advantage we offer LTC shoppers.

You’re now viewing the largest compendium of understandable Long Term Care insurance information online! We are in the process of loading hundred’s of articles to address the entire LTC universe from very top-down summary articles such as Understanding Long Term Care to finite details such as Waiting Period or Inflation Protection. We also provide comprehensive information on the new changes to the market such as the CLASS Federal program or State Partnership options. There’s never been one location for comprehensive and more importantly, comprehendible information in one place for people new to LTC. We’re constantly adding new sections and articles to better educate and empower you. We want to take the mystery out of Long Term Care so people can make the best decision.

Finally, we offer a nationwide network of licensed and professional Long Term Care insurance agents at your service. There are nuances to any market that can only be understood with time and experience. Each Long Term Care shopper’s situation is unique and an impartial agent can be a valuable asset. Understand that we do not “Sell”. We’re not going to harass our visitors on the phone which unfortunately happens in the online insurance world. Hopefully, you can see from the resources we’ve made available online to you that we want the decision to rest in your control. We want to make sure that Long Term Care shoppers are able to make the best decision for their pockets and financial future.

Author Bio: Dennis Jarvis is a licensed Long Term Care insurance broker with extensive knowledge of the LTC plan market. Quote Long Term Care Insurance

Category: Finances
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