Long-Term Care Insurance – Compare Plans Nationwide with Trusted Experts
Shop and compare long-term care insurance, hybrid LTC policies, and asset-based long-term care solutions from top-rated carriers — all in one place.✔ Nationwide Licensed Experts
✔ Independent Plan Comparison
✔ 25+ Years of Long-Term Care Planning Experience
✔ CLTC Certified Specialists
LTCShop helps consumers nationwide compare long-term care insurance policies, including traditional long-term care insurance and hybrid LTC plans. Co-founded by Scott A. Olson, CLTC, LTCShop provides independent plan comparisons, underwriting guidance, books, and educational resources through the LTCi Now Podcast and LTCi Now Substack.
What Is Long-Term Care Insurance?
Long-term care insurance is designed to pay for extended care services that traditional health insurance and Medicare typically do not cover — including assistance with daily living activities such as bathing, dressing, transferring, and cognitive impairment care.
According to the annual Genworth Cost of Care Survey, the cost of home health care, assisted living, and nursing home care continues to rise nationwide. Without long-term care insurance, these expenses can significantly impact retirement savings.
Long-term care insurance may cover:
In-home care
Assisted living
Memory care
Skilled nursing facilities
Adult day care services
The earlier you plan, the more options you typically have.
How to Compare Long-Term Care Insurance Plans
Shopping for long-term care insurance can be complex. Every carrier has different underwriting guidelines, pricing structures, and benefit options. LTCShop simplifies the process.
Step 1: Evaluate Your Risk Exposure We assess age, health history, family longevity, and retirement assets.
Step 2: Compare Traditional vs Hybrid Long-Term Care Insurance We explain the differences between stand-alone LTC insurance and hybrid life insurance with long-term care riders.
Step 3: Customize Benefits Choose daily/monthly benefit amounts, benefit period, elimination period, and inflation protection.
Step 4: Review Underwriting Guidelines We help you understand how medical records, prescriptions, and past conditions may affect eligibility.
Step 5: Select the Right Carrier We present multiple quotes so you can compare pricing, financial strength ratings, and policy design.
Our mission is simple: help you make an informed, confident decision.
Types of Long-Term Care Insurance We Help You Compare
Traditional Long-Term Care Insurance
Designed solely for long-term care expenses, these policies typically offer lower initial premiums and flexible benefit options.
Hybrid Long-Term Care Insurance
Combines life insurance with long-term care benefits. If long-term care is never needed, a death benefit may be paid to beneficiaries.
Asset-Based Long-Term Care Plans
Often funded with a lump sum or structured payments, these policies provide guaranteed benefits and predictable premiums.
Life Insurance with LTC Riders
Allows policyholders to accelerate death benefits to pay for long-term care expenses.
Every solution has advantages. We help you determine which approach fits your retirement strategy.
Featured Carriers
How Much Does Long-Term Care Insurance Cost?
The cost of long-term care insurance is not one-size-fits-all; it is highly personalized and based on several key factors. Generally, your premium is determined by:
Age and Health: Applying while you are younger and in good health typically secures the lowest rates and the most carrier options.
Benefit Design: The daily or monthly benefit amount, how long the benefits last (benefit period), and the length of the waiting period (elimination period) all impact the price.
Inflation Protection: Adding a rider to help your benefits keep pace with the rising cost of care will affect the premium.
Policy Type: Traditional long-term care insurance often has lower initial premiums, while hybrid policies (which combine life insurance or annuities with LTC benefits) may require higher premiums or a lump-sum payment but offer a death benefit.
Carrier Selection: Every insurance company has its own underwriting guidelines and pricing structures for the same level of coverage.
Because these variables interact differently for everyone, use our Rough Quote Estimator to get a general understanding of the cost of a basic policy.
LTCShop.com
LTCi Rough Quote Premium Estimator
Quote Coverage Details
Disclaimer: Premiums vary by state of residence and by the applicant’s health. This rough quote is for informational purposes only and is not a guarantee of coverage or a binding offer. Healthy married couples may qualify for more coverage at a lower premium. Please consult with an LTCShop.com professional for a personalized quote.
Meet our Founders
Long-Term Care Insurance in All 50 States
Our nationwide licensing allows us to help you compare policies available in your state. No matter where you live, we guide you through the process.
Scott A. Olson, CLTC
Co-Founder
Carolyn Olson, CLTC, LTCCP
Co-Founder
Carolyn E. Olson, CLTC, LTCCP, (NPN#17536092) is a long-term care insurance specialist with more than 15 years of experience helping individuals and families protect their savings, retirement income, and independence from the rising costs of extended care. As a Certified Long-Term Care professional, Carolyn is known for simplifying complex planning decisions and creating personalized solutions.
Carolyn has helped hundreds of families nationwide navigate long-term care planning with clarity and confidence. She is recognized for her integrity, client-focused approach, and commitment to educating consumers about the realities of aging, caregiving, and long-term care costs.
She is the author of the book Caregiving Reality: An Adult Child’s Experience with Long-Term Care Insurance and regularly contributes educational content focused on long-term care planning and retirement protection.
Carolyn holds a Bachelor’s degree in Business Administration and continues advanced professional education to stay current on industry trends and policy developments. Carolyn and her husband, Scott, have four sons, and they live in San Marcos, Texas.
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Scott A. Olson, CLTC, and Carolyn Olson, CLTC, LTCCP, have authored multiple books on long-term care planning and retirement risk management, helping families nationwide understand how to protect their savings from extended care costs.
🎙 Listen to the LTCi Now Podcast
Stay informed about underwriting changes, carrier updates, industry trends, and long-term care planning strategies through the LTCi Now.
📩 Subscribe to the LTCi Now Substack
Receive in-depth articles, planning strategies, and long-term care insurance insights by subscribing to the LTCi Now Substack.
Why Consumers Nationwide Choose LTCShop
Unlike captive agents who represent a single insurance company, LTCShop works independently to compare multiple long-term care insurance carriers.
We focus exclusively on long-term care planning — not auto insurance, home insurance, or unrelated financial products.
Our clients value:
Independent carrier comparison
Transparent pricing
Underwriting expertise
Nationwide licensing
Long-term industry specialization
Frequently Asked Questions About Long-Term Care Insurance
What does long-term care insurance cover?
It may cover in-home care, assisted living, memory care, and nursing home care when you need help with daily living activities or cognitive impairment.
How much does long-term care insurance cost?
Premiums depend on age, health, benefit design, and carrier selection. Applying earlier often results in lower premiums and more carrier options.
What is the best age to buy long-term care insurance?
Many individuals apply in their 40s, 50s, or early 60s before health changes limit eligibility.
Does Medicare cover long-term care?
Medicare generally does not cover extended custodial care. It may only cover limited skilled care under specific circumstances.
What health conditions affect eligibility?
Carriers review medical records, prescription history, and past diagnoses. Conditions such as diabetes, heart disease, neurological disorders, or prior surgeries may impact approval depending on severity and stability.
Protect Your Retirement with Long-Term Care Insurance
The cost of long-term care continues to rise. Planning ahead allows you to protect:
Your retirement savings
Your spouse’s financial security
Your children’s inheritance
Your independence and dignity
Long-term care insurance is not just about coverage — it’s about control.
Compare Long-Term Care Insurance Today
Whether you are just beginning your research or ready to apply, LTCShop provides expert guidance every step of the way.✔ Compare multiple carriers
✔ Understand underwriting before applying
✔ Customize your policy design
✔ Protect your financial future