Get a Personalized Long-Term Care Insurance Quote

What happens when you request a quote?

1. 1. Tell us about your situation

   A short note about who you are planning for and what prompted the search is enough to get started.

2. 2. Talk through concerns and budget

   What worries you, what you want to protect, and what a comfortable premium would look like for you.

3. 3. Review the approaches that fit

   Traditional, hybrid, or a combination — and which carriers actually offer them where you live.

4. 4. Compare coverage, features, and cost

   Side by side, with the trade-offs explained in plain language rather than brochure language.

5. 5. Decide whether any option makes sense

   Including the option of doing nothing for now. There is no obligation at any point.

Nothing here is a binding offer of coverage. Eligibility and actual rates depend on underwriting and each carrier's requirements.

What affects your quote?

Long-term care premiums are built from several variables that interact with one another, which is why two people the same age can see very different illustrations:

• Your age at the time you apply
• Your health history and the carrier's underwriting decision
• The coverage amount you select
• How long benefits can last
• The elimination period before benefits begin
• Inflation protection
• Whether you are planning individually or as a couple
• The type of policy — traditional or hybrid
• The carrier and its products available in your state

Compare more than price

Most people begin this search hoping to find coverage that is affordable, and that is a perfectly reasonable place to start. Searches for low-cost options, better rates, or available discounts all point at the same underlying question: what is a fair amount to pay for this protection?

The catch is that a premium figure on its own says very little. Its value depends on what sits behind it — how large the benefit is, how long it lasts, whether it grows with inflation, how home care is handled, what the policy excludes, how financially strong the carrier is, and whether the payment still fits your budget a decade from now. A lower premium attached to a benefit that never grows can be worth far less at claim time than a slightly higher one that does.

So the useful comparison is not premium against premium. It is the whole package against your financial plan. That is the comparison we walk through together.

Traditional and hybrid options

Depending on what is available to you, the comparison may include traditional standalone long-term care insurance, hybrid designs that pair long-term care benefits with life insurance or another product, or both. Each has a different premium structure and a different set of trade-offs. Our overview of how long-term care insurance works explains both approaches before you request anything.

Quotes for Washington residents

Washington residents often have an extra layer to think through, since private coverage and state programs both come up during research. Start with long-term care insurance in Washington State, then see the Washington planning guide and our WA Cares comparison for current program context.

Why request a quote through LTC Simple?

LTC Simple is an independent long-term care planning and insurance resource, not a carrier. The conversation starts with your situation rather than a product, which means different approaches can be evaluated honestly and you can learn enough to make the decision yourself.

• Guidance personalized to your household and goals
• A specialty in long-term care rather than insurance generally
• Traditional and hybrid approaches evaluated side by side
• Education before any application is discussed
• A no-pressure conversation, always
• More than 25 years of experience with Carol Guilbault, CLTC

We do not promise the lowest price or guarantee savings. What we offer is a clear look at the options actually available to you and straight answers about what each one does and does not do.