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Long Term Care Insurance Companies

There are numerous long term care insurance companies on the market today however, the number of companies offering this type of coverage has varied since the inception of long term care insurance. The companies that offer it now, for the most part, are stable and well-established. Getting a quote from several of them to compare prices has never been easier, thanks to free online quote tools like the one at the top of the page. Protect your future and your family's by using it to get quotes from several top long term care insurance companies.

Long Term Care Insurance Companies: A List Of The Best

Picking your way through all the companies offering long term care insurance can be difficult and time-consuming. Below is a list of the top long term care insurance companies in the United States.

Genworth

John Hancock

MetLife

AARP

Allianz

Federal Gov. Plan

Prudential

Mutual of Omaha

State Farm

Great American

Long Term Care Insurance Companies: Choosing One

Making that final decision about which company to use is an important one. You will of course, take price into consideration, your quote will provide you with prices to compare for similar coverage. However, you must also look at other factors.

Type of Coverage Offered - It is vital that a company be able to provide you with some flexibility when it comes to long term care. You may want to be able to stay at home and have healthcare workers come to you, or you may want to be able to move into a certain long term care facility. Having the choice is important. Coverage that is adaptable is also very important - if changes occur in the long term care industry you may want to be able to take advantage of them.

When Coverage Activates - With certain types of coverage you must be no longer able to perform 3 activities of daily living before you can claim benefits, for other plans it is 2 activities. Review the guidelines carefully before you decide which one is better for you.

Stability of the Insurer - Do research on the company you are thinking of using. You want them to have an A or higher rating with the independent insurance ratings companies. If so, their financial assets are probably strong enough for them to pay out claims currently and in the future. If they are weak financially, you should look for another company, because that one may not be in business anymore when you need them.

Claims Service Record - Do some Internet research to find out about the company's service record. They should have fast turn around time for claims and not too many complaints against them. If they do not meet these criteria, you may want to look elsewhere.

Before Investigating Long Term Care Insurance Companies, Get A Quote

Before you start looking at each of the individual long term care insurance companies, the first thing to do is get a quote. Simply return to the tool box at the top of this page, click on it and get started now.

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