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Long Term Care Insurance -- Crucial Steps And Precautions

Apr 11, 2008
You must understand some things while you shop for a long term care insurance policy if what you really want is the best price/value. Any low price that does not give you the right blend of both great service and the right coverage, isn't really a good deal.

Here are several things to be sure are right before you pay for a policy.

1. Be sure the insurer you finally choose is licensed to provide long term care insurance in your state. After confirming how legitimate they are also check their reputation.

This is where institutions such as BBB, Standard & Poor's Insurance Rating Services and others are truly useful.

2. Call your people you know and know what they think of their insurance company. The quality of service they received from previous or current insurers will help you make very informed choices.

You can ask to be referred to their agent if you're pleased with their testimonials. I must stress, though, that you should avoid going with just one friend's suggestion. They might not have shopped well themselves.

This will raise your chances of landing an agent who will offer the very best value and rates. Get referred to a lot of agents. Obtain and evaluate quotes from as many short-listed agents as possible.

Discuss with them all and you'll be sure of who will give not merely the lowest rates, but the best price to value ratio. This is quite effective but at the same time very time-consuming.

3. You can save a lot of money in long term care insurance if you get and compare long term care insurance quotes from insurance quotes sites. You'll realize savings if you go to only one quotes site.

However, you will get better results by visiting at least three. The plain logic in this is that you will receive a greater number of long term care insurance quotes from a wider range of insurers. This raises your chances of getting better rates.

4. Don't let yourself become carried away by the lowest quote as you shop for low cost long term care insurance. You need to focus on getting a low quote that also offers the right value.

You can get really low rates that offer you the quality you are after if you shop extensively. But be willing to pay slightly more if necessary to get the right long term care insurance coverage for you.

Take note of this because some low quotes are so because they don't offer much. A long term care insurance offer that gives insufficient coverage isn't worth it even if it's 500% lower than the quote that gives you the right coverage.
About the Author
Do you want to reduce your rate within a few minutes? Then go straight ahead and do your comparison shopping at this site: Long Term Care Insurance Alabama Quotes. Chimezirim Odimba has found over 120 things that will help you pay much less for adequate coverage.
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