Long Term Care Authorities
Protect Your Future with Long Term Care Authorities
Experience our no-pressure, educational approach to our clients.
What We Do
At Long Term Care Authorities, we specialize in creating personalized Long Term Care insurance plans tailored to your unique needs. We work with multiple national insurance companies to gather competitive quotes, allowing us to recommend the best Long Term Care insurance products to suit your goals and budget.
What We Offer
Long Term Care Insurance
At Long Term Care Authorities, we provide customized Long Term Care insurance solutions designed to fit your unique needs. Our diverse range of insurance products allows us to find the right policy for your situation, ensuring you receive the best coverage and value. With decades of experience, our team takes the time to understand your specific requirements and works closely with you to recommend a plan that aligns with your goals and budget.
Have Questions About Long Term Care Insurance?
Navigating the complexities of long-term care insurance can be daunting, but we're here to help. Whether you're just starting to explore your options or you're ready to purchase a policy, we're dedicated to providing you with the best information and guidance you need.
Do I Need Long Term Care Insurance?
Whether you need long-term care insurance depends on your financial situation and preferences. Long-term care insurance can help cover the costs of assisted living, nursing home care, or in-home care services, which can be expensive and could potentially deplete your savings.
Why Do I Need Long Term Care Insurance?
Long-term care insurance can provide financial protection against the high costs of long-term care services, which are not typically covered by health insurance or Medicare. Without long-term care insurance, you may have to pay for these services out of pocket, which can quickly deplete your savings and assets.
How Much Insurance Do I Need?
The amount of long-term care insurance you need depends on several factors, including your age, health status, financial situation, and preferences for care. We can help you determine the right amount of coverage based on your individual needs and circumstances. Generally, we recommend a quote of 60-75% of your expected need.
When Should I Buy Long Term Care Insurance?
The ideal time to buy long-term care insurance is when you're in good health and can qualify for the best rates. You do not want to buy it too early, however it's also never too late to buy long-term care insurance as long as you can afford the premiums and meet the eligibility requirements. We generally recommend purchasing it between age 55-70.
How Does the Buying Process Work?
The buying process for long-term care insurance typically involves several steps, including determining your needs, researching available policies, obtaining quotes, completing an application, undergoing medical underwriting, and finalizing the policy. We will help guide you through each step and help you find the right policy for your needs.
Are There Different Long Term Care Products?
Yes, there are generally two types of long-term care insurance options. The first is like having car insurance, where you pay your insurance annually whether it is needed or not.
The second is a single pay plan, where you pay upfront for your long-term care benefit. This plan can be nice as you don't have to worry about rising rates, but the upfront cost can be expensive.
Who We Are
Long Term Care Authorities is a trusted name in the field of long-term care insurance, dedicated to helping individuals and families protect their financial futures. Founded by Fess Crockett, a seasoned professional with over three decades of experience in long-term care insurance, our company is committed to providing personalized service and expert guidance to our clients.