Long Term Care Insurance (LTCi) should be an important consideration for anyone who wants to have choices about who, how, and where they are cared for, in the event that they temporarily, or permanently, are unable to take care of themself.

Long Term Care Insurance (LTCi) should be an important consideration for anyone who wants to have choices about who, how, and where they are cared for, in the event that they temporarily, or permanently, are unable to take care of themself.ng Term Care Insurance (LTCi) should be an important consideration for anyone who wants to have choices about who, how, and where they are cared for, in the event that they temporarily, or permanently, are unable to take care of themself.

Historically, people have viewed LTCi as “Nursing Home” insurance, but most policies now include provisions for Home Health Care and Hospice Care, both of which are increasing as a percentage of overall LTCi claims. Also, along with traditional Long Term Care policies, more and more Life Insurance carriers are adding policies designed to cover LTC needs. It is important to meet with one of our LTC agents to help determine the most appropriate method of minimizing the LTC risk and stay within your budget.

LTCi can usually be made affordable by tailoring the policy to address your most important concerns. Also, like life insurance, the younger you are when the policy is issued, the lower the premiums generally will be, both now and over your lifetime. With that in mind, contact us now, rather than waiting until you need it.