Long Term Care Insurance

Long Term Care Insurance

Before you sign on the application for long term care insurance you will certainly consider such vital aspects as the level of benefits and, of course, the costfor coverage.  Those are vital criteria that go into deciding such factors as what your needs are, what is the right policy type for your personal situation and how much can you afford. Long term care insurance company ratings matter as well as their ratings and finanical strength.

You will also want to take a look at consumer ratings & reviews. See what others have to say about a carrier, a plan and even an agent. We rank by STAR, with 5 STAR’s being the highest!

“REVIEWS BY CARRIERS: list to the right >>


Long Term Care Insurance reviews!

 


SKU UPC Model

Best Long Term Care Insurance Costs I Found

Feb 07, 2012 by Anne Steele

Best long term care insurance costs that I found came as a result of connecting with the American Association for Long Term Care Insurance who connected me with a guy who really knew his stuff AALTCI website so I am pleased to recommend them to others. I called them at 818-597-3227 and the agent they connected me with put it all together for me, and saved me money.


Best Long Term Care Insurance Costs

Jan 26, 2012 by Rick Bellman

Very helpful. Calling the American Association for Long Term Care Insurance http://www.aaltci.org now to learn more.


Mutual of Omaha Rate Increase

Jan 24, 2012 by Marie Smith

Great company but rates for long term care insurance are rising soon so contact your agent to lock in now. I worked with one of the specialists found by calling the American Association for Long Term care Insurance and they really helped me fast.


American Association for Long Term Care Insurance

Jan 23, 2012 by Lee Merriman

Great service. Called them and their person really spent the time to answer my questions and guide me with no pressure. I now felt comfortable moving forward.


I wished I would have know

Dec 16, 2011 by Jeff Cline

I wished I would have know several things , so here thay are for those who are entering the stage of carring for an aginf parent.

1) Many drug companies have a low income form you can fill out, and get FREE prescriptions directly from the manufacture. Saved my mom $280.00 a month!

2)You have to manage your parents care, not their doctors. In my case 18 doctors, and 20 prescriptions a day. Often times they have no clude what doctor saw your parent last week, nor do they know that their prescription changed.

I know it does not make sense, but YOU ARE IN CHARGE OF YOUR PARENTS HEALTH CARE!! Not the doctors, hospitals and insurance companies. It took my mother almost dying in a hospital bed to realize, the doctors are only doing their job! Just like a McDonalds order taker. They get paid to do the job, and dont really care about the outcome! (They get paid either way)

IF SOMETHING DOES NOT SEEM RIGHT, you need to press the issue!!! DOnt be afraid to speak up or even call a Doctor or Hostpial out. ITS YOUR JOB!!!

My mother was in the hospital, while i was on a business trip. I cam back and she was in the same soild sheets, as the day I left. I LAID INTO THE HOSPITAL and STAFF. Guess what, they got changed every day from there on out, even twice one day!!!

Make sure you watch their weight. If they loose weight, their prescriptions may need to be adjusted. AGAIN, we found out the hard way when my mothers diabetic medicine put her into a comma, because it was to strong for her weight.

ANOTHER THING: In my state, the governemnt has assistance programs that are funded by the sate to help with routine things like baths, cleaing,preparing food....had no idea, did not even know to ask. We are now saving $400.00 a mnth because we called the right number.


AARP LTC

Dec 09, 2011 by Jeff Springs

I purchased my medicare supplement from AARP, and then got a quote for my Long Term Care Insurance. I went online and found several LTC companies, and AARP was the most expensive. I wonder if I did not pay to much for my Medicaer Supplement??? I went with them becasue of the name, may sound crazy but the devil you know is sometimes better that the one you dont, even if you pay more.


MET LIFE was what I saw on TV

Dec 09, 2011 by Bill Easterling

MET LIFE was what I saw on TV. They were better that I thought they would be. I thought snoopy was kind of an odd spokes person, but they were very professional.


LifeSecure Insurance made me feel secure about my Long Term Care Insurance choice.

Dec 09, 2011 by Craig

LifeSecure Insurance made me feel secure about my Long Term Care Insurance choice. I spent hours trying to find someone to help me and as soon as I found LifeSecure Insurance made me feel like a friend, like they really cared.


Mutual of Omaha is great!

Dec 09, 2011 by Jeff Cline

Mutual of Omaha is great! I have my medicare supplement and my life insurance with them too. My 1-800-MEDIGAP agent put it all together for me, and saved me money!


MedAmerica WHO?

Dec 09, 2011 by Kimberly Cline

i HAD NEVER HEARD OF MedAmerica UNTIL THIS MONTH, BUT THE SERVICE WAS GREAT!


Prudential WAS A VERY SOLID CHOICE

Dec 09, 2011 by Roger Hotsel

Prudential WAS A VERY SOLID CHOICE, I did a ton of shopping and found them to be the best for my age!


Transamerica was great!

Dec 09, 2011 by Jeff CLine

Great plan. Did exactly wat I needed it to do.


Long term Care Insurance John Hancock

Dec 09, 2011 by Ronnie Guffy

Long Term Care Insurance by John Hancock is pretty good. I shopped alot and found it to give me the most banj for the buck!


5.0 5.0 3 3 Best long term care insurance costs that I found came as a result of connecting with the American Association for Long Term Care Insurance who connected me with a guy who really k

 

That said, a very important factor well worth investigating is the rating of the
insurance company that you ultimately will purchase your policy from.
While insurance company failures occur quite infrequently as compared to the
large number of banks closed over the past few years, the present economic
environment has shown the importance of selecting a sound company to work
with.

Therefore, all professionals advise consumers to consider is the rating of the insurance
company being recommended by your insurance or financial professional.

Today, three leading independent companies rate long term care insurance
companies.  While these ratings do not offer a crystal ball forecast into
the future economic environment or even the future business viability for an
insurance company, they do help you make better decisions based on current and
historical information available.  And, at the end of the day, that is the
best that any of us can do to manage risk.

The three primary companies publishing ratings include A.M. Best,  Standard
& Poor’s and Moody’s.  Each of these ratings companies is an
independent firm that looks at an insurance companies financial strength on a
regular basis.   It is important to note that most insurance companies
today offer diverse products from life and health insurance to financial
products from annuities to mutual funds.  Long-term care insurance is
almost always a very small piece of their overall business.  Thus it often
does not even factor into the ultimate company rating.

Each of the three insurance rating agencies uses a slightly different rating
scale.  But, the simplest explanation is to say that they use
something  similar to the grading scale you would expect to see in
school.     A rating  of A++ or AAA is the best possible
rating.  From there, the ratings or scores drop on downward to F — which
is generally the lowest rating and certainly not one you ever hope to see.
It is the middle and low of these scales that differ slightly with each
rating system. The different measurement scales and their definitions are
available on each of the rating company’s website.

 

Of the three ratings agencies, many experts will acknowledge that A.M. Best is one
of the better known of the insurance rating companies. The A.M. Best rating
scale ranges from A++ (Superior) to F (In liquidation).

 

A second leading ratings agency commonly referred to today is Standard and Poor’s
who rates the claims-paying ability of over 300 insurance organizations
worldwide.  The Standard and Poor’s ratings scale ranges from AAA (Superior)
to CCC (Extremely vulnerable).    Finally, the least known to
consumers is Moody’s.  Moody’s rates the financial strength of investment
vehicles and institutions including insurance companies. The following is an
example of what the Moody’s rating system means. 1, 2 or 3 modifiers for each
rating category. A 1 indicates that the insurance company ranks in the higher
end of its rating category. The modifier 3 indicates that the company ranks in
the lower end of its category.

 

Because ratings are subject to periodic change they are rarely printed in company
literature.  If a rating was changed, the company would need to throw out
all of their material, a costly venture.   You can and certainly should
ask your insurance or financial professional for the latest rating of the
company.

 

It is advisable to request the ratings in writing because as we said, they are
subject to change and you don’t want to wind up one day in a he-said – she-said
dispute.   Be sure to look for the last date the particular company was
rated by the particular ratings agency.    A complete and current
listing of leading  long term care insurance company ratings can be found
on the American Association for Long-Term Care Insurance.

While long term care insurance company ratings are important, certainly the
cost of insurance is also vital.  When it comes to long-term care
insurance cost, keep in mind that premiums you can expect to pay for protection
can vary quite significantly from one company to another.  Studies by the
Association show that virtually identical coverage can vary by as much as 50
percent or more.

 

For that reason, experts generally advise that you consider seeking information
from an insurance professional — typically referred to as a broker — who has
policies from multiple companies available.   They can put together a
comparison of multiple companies, looking at cost, benefits and, of course, the
company ratings.  For more information on long-term care insurance, visit
the Consumer Information Center of the  long-term care insurance industry
trade organization, where you can find ways to
save and other helpful tips.

Long Term Care Insurance SKU UPC Model

Best Long Term Care Insurance Costs I Found

Feb 07, 2012 by Anne Steele

Best long term care insurance costs that I found came as a result of connecting with the American Association for Long Term Care Insurance who connected me with a guy who really knew his stuff AALTCI website so I am pleased to recommend them to others. I called them at 818-597-3227 and the agent they connected me with put it all together for me, and saved me money.


Mutual of Omaha Rate Increase

Jan 24, 2012 by Marie Smith

Great company but rates for long term care insurance are rising soon so contact your agent to lock in now. I worked with one of the specialists found by calling the American Association for Long Term care Insurance and they really helped me fast.


American Association for Long Term Care Insurance

Jan 23, 2012 by Lee Merriman

Great service. Called them and their person really spent the time to answer my questions and guide me with no pressure. I now felt comfortable moving forward.


5.0 5.0 3 3 Best long term care insurance costs that I found came as a result of connecting with the American Association for Long Term Care Insurance who connected me with a guy who really k Long Term Care Insurance

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