Where Should I Buy LTC Insurance?

You can get a quote for long-term care insurance from many providers, but be sure to stay away from websites that promise you an instant quote.

Why?

First, many of these sites are simply fronts for middlemen. They want you to fill out the fields on their Website form so that they can forward this information on (for a fee) to competing salespeople from various providers, who may contact you relentlessly.

Secondly, unlike with auto or homeowner’s insurance, many state laws require that a licensed insurance agent determine your unique needs or suitability for long-term care insurance.

Third, as you sit down with your local professional insurance agent, you will find that long-term care insurance coverage is quite complex, and is the sum total of many options which need to be carefully considered. A wrong choice may have huge financial consequences. You will appreciate the services of a thoughtful professional who will be there to guide you.

In addition to those quick-quote websites, be sure to also shy away from hucksters who may quote an unrealistic cheap premium for long-term care insurance, only to snag you into their sales funnel for a later upsell into a much higher commission policy.

Because there is such a wide variety of costs and benefits, long-term care insurance is an extremely complex insurance to buy. Get wise advice. Contact your local professional independent agent for help in making your decisions regarding your Long-Term Care coverage.