About 1 out of 3 people will need some form of long term care in their life-time. The costs associated with this care can be more than $50,000 per year!

• Underwriting (your health),
• Financial Ratings (Insurance Companies)
• Available Discounts

Selecting the most appropriate combination of BENEFITS available and easily triggered

• The daily dollar benefit selected, i.e. $100 to $300
• The coverage period, i.e., 2 years, 5 years, Lifetime
• The amount for Home Health Care (if any)
• The selected elimination period i.e. 0,30, 60, 90, 180 The selected inflation protection option Eligible discounts, i.e. spousal, group, association or affinity
• The underwriting level, preferred vs. standard Non-forfeiture and other riders
• The applicant's state of residence can also affect the cost of premiums

Calculating premiums and submitting application with appropriate company and benefits and premiums.