Compare Long-Term Care Insurance Quotes From Top Carriers

Protect your retirement savings from the rising cost of nursing home and in-home care. Traditional LTC and hybrid LTC/life products available nationwide.

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TCPA certified
Licensed in all 50 states
Carriers We Work With
MassMutualMassMutual
PrudentialPrudential
GuardianGuardian
Blue Cross Blue ShieldBCBS

What is long-term care insurance?

Long-term care insurance helps cover the cost of extended care services that health insurance and Medicare do not pay for. This includes nursing home stays, assisted living facilities, in-home caregivers, and adult day care programs. The average cost of a private nursing home room now exceeds $100,000 per year in many states, and these costs can rapidly deplete retirement savings without proper planning.

Traditional LTC policies pay a daily or monthly benefit when you cannot perform two or more activities of daily living independently, or when you have a cognitive impairment requiring substantial supervision. Benefits typically last for a specified period such as 3, 5, or 6 years.

Hybrid LTC/life products have become increasingly popular as an alternative. These combine life insurance with long-term care benefits, ensuring your premium is used whether you need care or not. If you need LTC services, the policy pays care benefits. If you do not, your beneficiaries receive a death benefit.

  • Nursing home and assisted living coverage
  • In-home care and adult day care benefits
  • Hybrid LTC/life combination products
  • Inflation protection riders available
  • Shared benefit options for couples
  • Tax-qualified plans with deductible premiums
  • Customizable elimination and benefit periods
  • Return-of-premium options on select products

Why compare long-term care quotes?

Coverage structures and costs vary dramatically

Traditional vs. hybrid

Traditional LTC and hybrid LTC/life products serve different needs. We help you compare both structures to determine which approach best fits your financial situation and planning goals.

Couples planning

Shared benefit riders allow couples to pool their LTC benefits, providing greater flexibility. We help couples evaluate shared care options that can significantly reduce combined premium costs.

Asset protection

The right LTC plan protects your retirement savings, home equity, and legacy from the devastating cost of extended care. We match your asset level to the appropriate coverage amount.

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Long-Term Care Hybrid LTC/Life Annuity / FIA
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How it works

Three steps from question to coverage

1
Select your coverage
Choose from 9 insurance product lines. Tell us your ZIP and what you need.
2
Answer a few questions
Our smart 4-step form takes under 2 minutes. No junk questions, no hidden fields.
3
Get your quotes
A licensed advisor contacts you within minutes with real quotes from top carriers.

Frequently asked questions

LTC insurance covers nursing home care, assisted living, adult day care, in-home professional caregiving, and home modifications. Benefits are triggered when you cannot independently perform two or more activities of daily living (bathing, dressing, eating, toileting, transferring, continence) or have cognitive impairment requiring supervision.
Most advisors recommend purchasing between ages 50 and 65. Buying in your 50s gives you lower premiums, easier health qualification, and more years to spread costs. After 65, premiums rise substantially and health conditions may limit options. Some hybrid products are available into the mid-70s.
Traditional LTC is standalone coverage that pays benefits only if you need care, with premiums that may increase. Hybrid LTC/life combines life insurance with LTC benefits in one policy. If you need care, it pays LTC benefits. If not, beneficiaries receive a death benefit. Hybrids often use a single lump-sum premium with guaranteed rates.
Costs vary by age, health, gender, benefit amount, and benefit period. A healthy 55-year-old couple might pay $3,000 to $7,000 per year combined. Hybrid products typically require a single premium of $50,000 to $250,000+, leveraging into two to three times that amount in LTC benefits.
Underwriting is strict for LTC. Conditions like dementia, Parkinson's, or MS typically result in decline. However, managed diabetes, controlled blood pressure, and cancer in remission may still qualify. Some hybrid products offer simplified underwriting. A specialist advisor can identify carriers most likely to approve your application.

What our LTC clients say

DL
Diana L.
Ohio
★★★★★
"Finally a site that understands long-term care insurance. Everyone else just does health and auto. These guys actually specialize in what I needed."
GP
George P.
Illinois
★★★★★
"My wife and I got a shared-benefit hybrid LTC/life policy. The advisor showed us exactly how the leverage works and we feel much more secure about our retirement."