FAQs

Frequently Asked Questions about Long Term Care Insurance

Questions about Applying for LTCI

How do I get a quote?
To get an LTC insurance quote, simply complete the quick quote request form above.

How long until I get my quote?
You will receive a phone call within one business day. We will provide your personal Long Term Care Insurance quote, a Long Term Care Insurance application, as well as more information so you can understand the insurance coverage you are buying.

What can I expect from Long Term Care Insurance Planners?
Simply put…honesty, integrity, and appreciation. Long Term Care Insurance quotes can be difficult to read and understand. We try our best to provide you with as much information in a format that is easy to understand at your own pace. We provide as much Long Term Care Insurance information as possible. Take your time to understand what you are purchasing, and do not make the mistake of simply shopping rates!
We do not stray from our process, quite simply, because it works.
We have staff available to receive your calls from 8:30 – 4:30 pm EST

Why should I use Long Term Care Insurance Planners?
Most of our online competitors are lead generating services for insurance agents. In contrast, we are Long Term Care Insurance agents who handle your case from beginning to end. Your information is not being sold to any insurance agents or other companies. We are here to sell youLong Term Care Insurance and we are here to service you until you need your coverage. Long Term Care Insurance is our product of choice, andby specializing in this one area we have become quite good at what we do. We aim to do one thing, and do it better than anybody else.

Does applying lock me in?
No, you are not bound to the coverage until you make your first paymenton an issued Long Term Care Insurance policy. This makes us prove to you that we can issue the coverage we quoted you. If we can’t do what we say we can not then you do not have to take the policy.

Do I send in a check?
Yes. All of the companies we represent require either a one or two month premium. If you decide not to take the policy or you are declined, all money collected is refunded directly back to you. All conditionsas outlined in the conditional receipt must be met or there is noliability on the part of the Long Term Care Insurance company.

Can I apply with other Long Term Care Insurance companies besidesyou at the same time?
No. if we find out there is a concurrent application with anothercompany we will stop processing the application and cease communication.

Questions about LTCI Underwriting

How long does the underwriting process take?
Our average underwriting time is currently 30-45 days. We have issued policies within a couple weeks when people complete their tasks quickly, and have had applications go as long as three months because of a lack of cooperation.