How can long-term care insurance be evaluated?

Most states and counties offer free "insurance counseling services". These services can typically help you determine if long-term care insurance is appropriate for you. They'll also help you to understand some of the basic features of a long-term care policy. However, they will not tell you which policy you should buy.

To get comparisons of several different policies you need to speak with a licensed insurance agent, especially an agent that specializes in long-term care insurance.