Who Offers The Best Long Term Care Insurance?

  1. 11783 POINTS
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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Who offers the best long term care?  Again it's going to depend on what a person wants that coverage to be. There are several very good long term care companies. The best thing to do is decide what is important to you as the buyer and then have quotes from several companies to compare from.
    Answered on May 13, 2013
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  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    The best Long Term Care insurance for one person may not be the best Long Term Care policy for another. Look at the rating of the company and the features of the policies they offer, in addition to see if they are priced competitively, their history of rate increases, and whether they have had many complaints against them. Above all, it is helpful to contact a Long Term Care broker (may Life insurance brokers also sell Long Term Care insurance) to help you find the best Long Term Care policy for you.
    Answered on June 8, 2013
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  3. 1305 POINTS
    Neil Steinman
    Owner, Orange County Health & Life Insurance,
    It's difficult to say that one company is "the best". There are definitely factors you can look at such as rating, who has the biggest market share, etc. Since LTC has many options to choose from, I suggest also looking at the carrier's options. For example, some companies offer a "Shared Care" benefit, whereby you can use your partner's benefit when yours are exhausted.
    Answered on June 8, 2013
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    David RacichPRO
    Fountain Hills, Arizona
    It is always with the best of intentions that I attempt to be objective, but that being said, there are not many long term care insurance companies (LTCi) left in the extended care market place. Perhaps there are a half a dozen worth your consideration. Genworth is one of the top LTCi companies in the U.S. They generally rank well in annual premium cost against the competitors and offer excellent policy language in their contractual definitions.  
     
    Answered on June 8, 2013
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