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"Shopping for long term care insurance is like going to the dentist. It's not something I like doing, but the alternative could be worse" - a 69 year old client, West Texas
P.O. Box 8204
The Woodlands, Texas 77387
Toll Free 877-315-5967
Office 281-296-8343

Texas License: 1216895
California License: 0C07893

How much does long term care insurance cost?

At this point you probably know if long term care insurance is something that you are interested in.  The next obvious question is, “How much is this going to cost me?”  

The cost depends on your health and age when buying the policy. Figure anywhere from $50 to $400 or more a month depending on age, health, and what you want your policy to cover.  Most people around 60 years of age in decent health can purchase a very good policy for around $250 a month.  That same policy for someone 45 would be less than $150 a month. (Click here to see a sample quote.)

If you are very wealthy and can absorb some of the risk yourself, design a policy to that covers some of your long term care.  If you are, say 60 and on a fixed income with very little savings, try to design a policy that is affordable AND does not force you to have a lot of out-of-pocket expenses.  If you live in a rural area, the cost of care may be very different than if you live in the city.  If you are in your, say seventies, in poor health, and want a policy that returns all of your  premiums at death, you will pay a lot more than the same person buying that same policy at age forty-five.  Also, some policies are better than others and this effects the price as well.  Click this link and we will send you a quote within two business days or click here to understand the basic components of a long term care insurance policy.

Also, some people are now looking at combination products.  These are life insurance and annuities products with long term care coverage built in to the policy.  These are great products for those who have at least $100,000 that they can set aside for long term care.  These are not for those who will need access (with the exception of long term care) to these funds at a later time. 

Long term care insurance policies are very different within and between companies and companies too are different.  There is a big difference between a mediocre long-term care policy and a robust one. Find a good company and then design the best policy possible based on a premium that is affordable.