Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Companies that sell long term care insurance vary from state to state as do regulations for long term care insurance. Because of this, specific companies that are considered the very best vary from state to state as well.

Get long term care insurance quotes for free by entering your zip code now!

However, there are some factors to look for when choosing the best place to buy long term care insurance. The following article provides additional information about the factors that the best long term care insurance companies have in common.

Factors the Best Long Term Care Insurance Companies Have in Common

The best long term care insurance companies will be able to give you specific advice based on your individual situation instead of just a generalized plan. Never purchase long term care insurance from a company that doesn’t ask you questions about your situation in life. A good company will have the desire to customize your insurance to fit your needs. They will not just give you an application or accept your application without first understanding why you are purchasing the coverage and what you expect to get out of it.

For example, someone who is young and healthy will need a different type and amount of coverage than someone who is ill, elderly, or has a family history of certain diseases. The best long term care insurance companies have these differences in mind when customizing a plan. They will customize a plan to fit your specific present and future needs without compromising adequate coverage and affordability.

Another factor that the best long term care insurance companies have in common is excellent customer service. Nothing is more frustrating than having a question about your coverage, premium payments, or policy and not being able to find the answer. The best long term care insurance companies have many customer service options such as a toll free number, e-mail address, and a website with a frequently asked questions page. Being able to contact your insurance company immediately when a need or question arises is one of the most important features of the best long term care insurance companies.

The ability to change policies easily is another feature of the best long term care insurance companies. As your needs, your family’s needs, and your financial picture changes, you may want to make changes to your policy. Adding coverage, reducing coverage, changing the type of coverage, and even cancelling policies should be easy to do.

The best companies have options that allow you to do these things over the phone, online, through e-mail, or via the mail. Changes should go into affect within a short amount of time and any reimbursements should be made promptly.

The best long term care insurance companies also have a good reputation. When choosing a long term care insurance company, choose one that is reputable. You can check the reliability and strength of a company through your local Better Business Bureau (BBB).

The BBB will give you information about any complaints that have been filed against the company. You can also check the financial rating of a company through an independent rating company such as A.M. Best. This will let you know how stable the company is. The more stability, the more likely your claim will be paid out without any problems. Also, remember word of mouth works well too. Find out who your friends and family members use for their long term care insurance.

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How to Find the Best Long Term Care Insurance Companies

To find the best long term care insurance companies keep the above factors in mind. Look for a company that will give you specific details about different plans, has excellent customer service, allows you to change your policy as needed, and has a strong reputation. Doing these simple things can make your search for the right insurance company go more smoothly. One of the best ways to find the right insurance company is still shopping around.

Shopping around for the best long term care insurance companies may seem overwhelming. With all the information available and choices seen online and even in your local telephone book, you may not know where to begin. Instead of wasting time making many phone calls, you can use the free health insurance rates tool on this page.

This online comparison tool will show you what many of the top long term care insurance companies have to offer side by side. You can compare rates and quotes and choose the company that best fits your long term care insurance needs.

Enter your zip code and get the insurance quotes you need for long term care today!