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Long Term Care Insurance Quote: Six Important Factors to Consider

Jun 19, 2008
A long-term care insurance quote is based upon many factors. You will want know these factors and this article will give you six key points to explain some of those factors. When you receive an ltci quote, it is going to be contingent upon what you want out of the policy regarding benefits levels and where you are in your life age-wise. Using the information in this article will allow you to be a smart consumer.

Long term care insurance quotes can be very complex but this article will give you six important points to consider. When you buy your policy and the type of policy you choose will allow the quote to change.

The types of benefits you receive will help determine your cost of long-term care. These types of benefits can include whether you will receive in-home services, care at a nursing home or from services based in your community.

One factor in the cost of your policy is your age. Getting your policy at a younger age allows the premium to be lower.

Different costs for quotes can be based upon what company you request a quote for. You should ask your employer if they offer ltci.

You can choose different policies with different benefits. Some policies pay a maximum for either a daily, weekly, or monthly amount or others pay up to a certain dollar amount.

The age at which you can start using your benefits will be a question that an insurance agent will ask you.

You will want to think about what kind of daily benefits you will receive. Your quote will be higher when you want higher daily benefits.

Hopefully this has given you good information regarding long term care insurance quotes. More information is always better so that you have an idea what to expect and you can have thought through what you want out of your policy.
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