About Long-Term Care QuoteSM
About Us
Q. What is Long-Term Care QuoteSM?
Q. How does Long-Term Care QuoteSM work?
Q. Why should you buy from Long-Term Care QuoteSM?
Q. Do you pay extra if you buy through our one-stop shopping service?
Q. How does Long-Term Care QuoteSM make money?
Q. Who services your policy after you become a policyholder?
Q. What are the benefits of using Long-Term Care QuoteSM?
Q. What Is Unique About Our Web Site?
Q. What is Long-Term Care QuoteSM?
A. Long-Term Care QuoteSM is a consumer research center and independent agency specializing in long-term care insurance. At Long-Term Care QuoteSM, we believe in providing you all the information you need to make an informed decision about long-term care coverage.
Our nationally-recognized, consumer-focused service:
- Provides an objective assessment of your need for long-term care insurance.
- Explains your options in simple language, so that you can confidently choose the best strategy for you.
- Gives you a detailed analysis of what to look for — and what to avoid — when searching for the right policy.
- Delivers real-time policy comparisons and personalized quotes from large, highly-rated, reliable insurance companies. Plus...
- Offers you a convenient, secure, risk-free way to apply for the policy of your choice.
At Long-Term Care QuoteSM, we're dedicated to simplifying all the complex information on the market today and helping you secure the absolute best value for your insurance dollars. And we work with you in the manner in which you're most comfortable. If you have questions or suggestions, please don't hesitate to call. When you do, you'll find our staff knowledgeable, helpful and friendly.
<top>Q. How does Long-Term Care QuoteSM work?
A. It's really quite easy. You tell us about yourself and what's important to you (see Free Custom Quote Request Form), and our computers match your personal profile to the three policies we recommend for you. For your safety, all information is strictly confidential. We don't rent or sell our names to anyone for any reason.
<top>Q. Why should you buy from Long-Term Care QuoteSM?
A. Because we're honest, objective and knowledgeable. This means you get straight answers to all your questions, a selection of many of today's leading policies and accurate, practical advice. We represent several insurance companies, including all those that — in our educated opinion — offer consumers true value for their money. Plus, for your security, we only survey large, safe, well-rated companies. And finally, our customer service is exceptional, our information, quotes and consultations are free and there's never any obligation to buy.
<top>Q. Do you pay extra if you buy through our one-stop shopping service?
A. Absolutely not. In fact, by law, every agent must sell the same policy at the same price (unless there's a special group or workplace discount). So, if an agent is quoting you a lower rate for the same company, he or she is not comparing identical options or is simply quoting a different policy with less comprehensive coverage. At Long-Term Care QuoteSM, we'll always quote the lowest possible rate available from the carriers we represent, based on your age, health and state of residence.
<top>Q. If the service is free, how does Long-Term Care QuoteSM make money?
A. In addition to being a national resource center, we're also an independent insurance agency. Our hope is that you'll be so impressed with our service, knowledge, and "consumer-first" approach that you'll buy a policy through us. If you do, the insurance company you select pays us a commission. It's that simple. And remember, there's no obligation and every policy by law comes with a 30-day right to review, so there's no risk to you.
<top>Q. Who services your policy after you become a policyholder?
A. The professionals at Long-Term Care QuoteSM will do everything possible to assist you in the event you have a claim. We specialize in long-term care insurance, we have the ear of all the major companies and we're as close as your phone. We'll even pay for the call (1-800-587-3279). However, please note that the insurance company you select actually "services" your policy and is responsible for all decisions regarding a claim.
<top>Q. How are claims handled?
A. For your convenience, all claims are handled direct through the insurance company you select. Upon receipt of your policy, you'll be given a toll-free number direct to the claims department. If you ever need to file a claim, you simply call that number and ask for the appropriate forms to be sent. That's all there is to it. Once you get the forms, you'll want to take them to your doctor and ask him or her to complete and sign them. Of course, if you have any questions or run into any snags, please call us immediately and we'll do everything we can to resolve the issue on your behalf.
<top>Q. What are the benefits of using Long-Term Care QuoteSM?
A. Long-Term Care QuoteSM offers value-minded consumers:
- Safety and security — Every policy by law comes with a minimum 30-day right to review, so you can act with complete confidence. Plus, we only survey highly-rated, financially-sound insurers, so you can sleep well knowing you're covered by a solid, reliable company.
- Wide selection — We do all the time-consuming homework, so you don't have to. Our independent service compares over a dozen quality policies and highlights three recommended options for you. This allows you to select the one that's right for you with relative ease.
- Expert advice — We specialize in long-term care solutions. That's all we do, so you can rest assured the information you receive and the advice we give is timely and accurate. Plus, our consultations are always provided free of charge and without obligation.
- Personalized service — Our knowledgeable staff is available to answer questions promptly and respond to requests quickly and efficiently.
- Convenience — We're as close as the phone and your computer, so you get the attention you require and the information you need when you need it. Plus, all calls are toll-free. And, the entire application process can be handled by phone or mail — conveniently and risk-free.
- No pressure — We act as a consumer advocate, so you know you'll get straight answers to your most pressing questions. Plus, we work on your timetable and in the manner you're most comfortable. Of course, we'd never send a sales agent to your home unless you requested such a visit.
- Value — We quote the lowest rates available from the carriers we represent based on your age, health and state of residence. And there's no added cost to use our service.
- Reliability and comfort — Long-Term Care QuoteSM has been recommended by many respected publications, so you can relax knowing you're dealing with a reputable agency.
Q. What Is Unique About Our Web Site?
Our long-term care insurance website:
- Is a truly independent, consumer-driven resource center that provides thorough online policy comparisons and personalized price quotes for consumers nationwide.
- Is free, confidential and there’s never any obligation to buy.
- Is secure — plus your privacy is protected. We do not rent or sell your name or e-mail address to anyone for any reason.
- Analyzes over 35 unique features of each policy from what we consider to be the industry’s leading insurance companies in an easy to understand analysis.
- Selects what we consider to be up to three of the most valuable, cost-effective policies for you based on your personal profile and budget.
- Allows you to change your benefit selections and instantly see what it does to the cost and/or selection of policies.
- Allows you to generate policy comparisons and quotes and save them to be reviewed later.
- Reviews what to look for and avoid when selecting long-term care coverage.
- Provides an interactive map of the U.S., so you can learn the average cost-of-care in your state with a click of the mouse.
- Provides a 5-Minute Long-Term Care Insurance Needs Analysis — including an interactive net-worth calculator — to help you determine if you should consider long-term care coverage. Not everyone needs it.
- Reveals the tax advantages of purchasing long-term care insurance for individuals.
- Is supported by a toll-free Customer Care Center offering unlimited toll-free access to knowledgeable Long-Term Care Insurance Professionals (1-800-587-3279).
- Offers the ability to apply for the policy of your choice. Plus, we can take your application through the mail and over the phone. There’s no need for an in-home agent visit unless you’d prefer one. Note: When you apply, the company may require a telephone or face-to-face interview. They may also request a copy of your medical records.
In sum, our independence gives us the freedom to search out and select only those long-term care insurance policies that we believe meet the highest standards for value and safety.
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