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Affordable Long Term Care Insurance


Long term care insurance is affordable. Shop and compare long term care plans and rates to find the right policy at the right price.

Wondering if you can find affordable long term care insurance?  You can if you shop smart and buy a plan that matches your needs. 

What’s it mean to shop smart?  Clearly identify your goals in purchasing a long term care policy, compare long term care plans, buy long term care insurance from an experienced long term care agent and don’t overbuy by adding riders and benefits that you are not likely to use.

We know that the word “affordable” can mean different things to different people.  One of the most important things to understand about long term care insurance is that you will be paying insurance premiums until you need the benefits or you pass away.  So finding affordable long term care insurance is key.  You want to make sure that this is an expense you can pay whether you are working or retired.

One of the best ways to create an affordable long term care insurance policy is to look at the core benefits and determine what’s best for you:

  • Length of time – Most people buy a policy that lasts 3 or 4 years since the average stay in a long term care facility is about 3 years.  The shorter the term of the policy the more affordable long term care insurance will be.
  • The elimination period (deductible) -- A longer elimination period will generally mean a less expensive premium.  The most common elimination period is 90 days.  That means you’ll be paying for care on your own for those 90 days before the policy begins to pay for your care.
  • The age you are when you buy – the younger you are the more affordable long term care insurance will be.  The average age of a long term care insurance buyer is 58 years old; however, you can purchase a long term care policy as young as age 18 and generally up to age 80. 
  • Your health – If you are healthy, you will benefit from a good health discount.  So affordable long term care insurance is more possible when you buy at a younger age and you are healthy.
  • Inflation protection – don’t be tempted to skip inflation protection to find more affordable long term care insurance.  Health care costs continue to rise so make sure your policy keeps up with inflation with either built in inflation protection or the opportunity to purchase additional coverage as you age.

At iQuote.com you’ll find experienced long term care insurance agents who can help you find affordable long term care insurance plans. We offer a choice of long term care insurance companies in all 50 states and the District of Columbia.  Get an iQuote now or call 1-800-352-9742.


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