Here is advice: I recommend you talk with a local agent who can get to know your circumstances. Let them explain all the options including alternatives to traditional LTC insurance because there are some excellent options. Also, if you know you have some medical issues make sure the agent knows about them. Getting a quote for a perfectly health person may be interesting but irrelevant if you will never qualify for that rate. In my opinion anyone who would quote you without having you complete a brief pre-qualification form is wasting your time. They want to give you a low quote but will very often come back and tell you your actual rate will be higher, sometimes MUCH higher. I would prefer to be honest up front and let you make a decision based on reality. Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more.
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