Intro
Kudos to you for being proactive in planning for long-term care. 👍🏼
We sell long-term care insurance (LTCi) from many companies as a broker.
LTCi is only sold through agents like us. When you work with us, the insurer pays us a commission, but the cost of a policy is the same, no matter which insurance agent or broker you choose. We aim to earn your business from our strong content, knowledge, and service.
This post highlights the best LTCi policies on the market we offer, giving you a high-level overview of your options. In separate posts, we break down each policy with detailed ratings to help you compare. And if you need guidance, we're here to help you find the right fit for you.
Choosing a policy is a big part of your long-term care plan. Our LTC approach will help you Learn about options, Talk with family, and Create a plan.
We’ve got lots of posts in our Policies topic. If you'd like a guided tour, just hit the 'next post' button at the bottom of this (and every) post.
Post jargon
benefit: the amount LTCi pays for covered care expenses
cash indemnity: pays the full benefit, regardless of the actual care costs
death benefit: a payout to a beneficiary from a hybrid policy after the insured passes away
exclusion: an insurance rule that denies benefits for specific risks
➡️ Explore all the LTC jargon
Policy options
Every insurer designs their LTCi policy to stand out in a unique way. Based on your priorities, we’ve highlighted some policies below that may be a good fit.
Flexibility
If you prioritize the ability to use your benefits however you choose, you may want a policy with cash indemnity benefits. These offer higher payouts, fewer restrictions, and no need to submit receipts.
Jesse Vickey
Jesse Vickey
Jesse Vickey
Joint coverage
If you want long-term care protection for both you and your spouse, you may want a joint policy. These often provide shared benefits at a lower cost than two separate policies.
Jesse Vickey
Jesse Vickey
Jesse Vickey
Memory care protection
If you're concerned about the long-term costs of dementia or Alzheimer's, you may want a policy designed for extended care. Since memory care can last 8–10 years or more, these policies offer lifetime coverage.
Jesse Vickey
Jesse Vickey
Affordability
If you want the most cost-effective, tax-advantaged long-term care insurance, you may prefer a traditional policy. These offer lower premiums but lack hybrid features like cash benefits or a death benefit.
Jesse Vickey
Jesse Vickey
Jesse Vickey
Comparisons
In this table, you can compare the benefits of all the LTCi policies we offer. You can:
- Search for any detail.
- Tap any column title to sort.
- Scroll right to view more columns. ➡️
Get quotes
With so many options out there, it’s easy to feel overwhelmed. To make it simpler, use this form to get matched with the best policy for your needs.
Wrap up
There’s no one-size-fits-all policy—each is designed with different benefits to meet specific needs. At Long Term What?, we take the time to understand your situation and provide full transparency on a wide range of options, so you can choose the best fit for you.
