Quick Quote
Partnership Qualified Long Term Care Insurance
Quick Quote
Often
the first thing people want to know about long term care insurance
is "how much does it cost?" Since many people are just learning
about long term care insurance we put together this page explaining
what an average policy will cost.
Your premium will be determined by your age when you
take out the policy, your health, state of residence, and the benefits
you choose.
Do you want a deductible or a co-pay, if so how much?
Do you want to pay every year or by quarter and do you want to pay over
your lifetime or for a fixed pay period like 10 years to have a paid
up policy? Is international coverage important?
The
sample below is based on an average plan. You can choose entirely different
benefits than the sample shown. If
you are uninsurable for health reasons or already have been declined
for long term care insurance consider a fixed annuity with long term
care benefits. (Annuity w/LTC)
To get an idea of what it would cost you, look
at your age in the chart below, The chart shows the rate for a
single person. If you are married, have a partner, or are sharing
expenses with someone, then see Discounts.
The premiums shown are based on a basic policy
with average benefits. You pick your plan benefits
based on affordability and potential care needs. You can Email or
call us if you have any questions.
SAMPLE PLAN:
Age - C = Compound Inflation
Protection
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DISCOUNTS
Residential 15% - if one applies or one is approved.
Couples 20%+ - if two apply and two are approved.
HEALTH
RATING
Class 1, 2, Standard, Preferred.
Preferred health discount 10%, eligibility determined by underwriter.
Other Options
For couples Survivorship Benefit
For Home Care Elimination Period Waiver
Shared benefits rider
Payment frequency charge: annual-none, semi-annual .51, quarterly .26, monthly
.09
If you cannot afford LTC insurance how are you going to afford $6,000 or more a month out of pocket for care?
You can see it's cheaper to buy when younger.
The risk of waiting is not only the higher premiums when you're older,
you may not health qualify. The
premium will be the same from us or another agency.
The first step is to see if you qualify. We provide current quotes
from all the top companies. Our advisors are here to assist you
in picking the best policy for your needs.
The best investment is one that you do not have to think about. Long term care insurance will provide you with income and asset protection ... and peace of mind.
If you have any questions about your insurance quote,
Medicare, Medi-Cal or long term care in general call us
a 1-888-582-2464 or send us an email
Partnership With Us
We have over a decade of experience with the California Partnership. Our agents are regularly Certified by the State of California to sell Partnership LTC insurance policies.