Taking Advantage of Free Long Term Care Quotes
Most insurance companies that are licensed to sell long term care insurance (LTCI) policies offer free, no obligation long term care quotes. That being the case, there is no reason for you to delay making that request.
Gathering LTCI quotes is the first fundamental step of acquiring an LTCI policy. It’s a foresight of what each insurance company is capable of offering so you don’t regret anything in the end.
Insurance companies, practically all of them, have equipped their official websites with a requisition form for LTCI quotes. Oh yes, nobody performs the primitive method of requesting LTCI quotes anymore and insurance firms know this too well.
People nowadays are moving in their fast-paced worlds so they need instant results, questions answered in a microsecond, weekly production done in a day or two, and so on and so forth. As for LTCI quote requests, you’ll only need to pound a few keyboard keys and voila, your request is instantly transmitted.
These forms designed for LTCI quotes contain basic questions only such as your full name, state of residence, birthday, age, smoker or not, and policy options.
For instance, what is your preferred nursing home daily benefit? Nursing home benefit period? What about your home care daily benefit and maximum coverage period? You will also be asked about your preferred elimination period and inflation protection.
Upon receiving your personal information, your insurance agent can gather LTCI quotes from as many as 20 insurance companies so you have different choices. Expect these 20 companies to have conflicting rates in the column or section which is allotted for the annual premiums.
When Should One Request Long Term Care Quotes?
Anyone of any age can request quotes for their choice of long term care plan. In fact, at the age of 30 many Floridians have already secured an LTCI policy and are in the process of paying their annual premiums.
Long term care (LTC), after all, is not only for the retired, weak and sick. You’ll never know when an illness or an injury will trigger permanent disability. Don’t wait for such misfortune to befall you. Start investing in an LTCI policy which conforms to your possible healthcare needs and spare yourself from self-pity and impoverishment.
Health care studies show that there are millions of people who used to be financially stable until an event triggered their need for LTC, and just like that, they lost everything which took them years to accumulate.
Although Medicaid is constantly available to the poor, why would you want to be one of its beneficiaries and rely on its limited offerings when you can get more? Having an LTCI policy will give you the freedom to choose where you want to receive care and what’s more is the fact that you don’t have to be at somebody’s mercy.
If you want to keep your independence and maintain the life that you are accustomed to, assess your needs healthcare wise and discuss with your insurance agent the possible companies that can provide you with long term care quotes.
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