The most frequent questions are:
"Will I ever need long term care?"
The fact that this cannot be known in advance and can happen at any time creates the necessity for planning. You may be insurable today but not tomorrow. Of those currently receiving long term care 40% are under 65 and the Govt. Accounting Office predicts that 70% of Americans over 65 will need long term care.
"How much does long term care insurance cost?"
Like other insurance it depends on how much of the risk you want to insure. Your age and the benefits you choose will determine the premium. We can help you design the most appropriate and affordable plan, provide a quote, and help you apply.
Since we represent all the major long term care insurance carriers, the premiums will be the same if you buy your insurance through us or somewhere else. We work for you, not for the insurance company.
Also, traditional long term care insurance might not be the best choice for you. At California LTC we offer multiple solutions for every financial and health situation. You can read about your options in our Guide.
"I don't want a salesman in my house pressuring me."
You're in luck. You can communicate with us as much or as little as you want, and in the way that you want. We don't "sell" our clients, they "buy" from us because we provide impartial advice, the most options, and no pressure.
Long term care financial planning products you purchase from us in California is usable in any state and in most foreign countries.
