Get the best company.
A frequent problem with the way many agents present Long Term Care plans is that they tend to be creatures of habit, and may favor quoting a single insurance company over others, even if other companies have as good or better ratings, and a lower premium. It’s unfortunate that not everyone has the instinct to shop around and make sure they are getting the best company with the best price. We’ll help you evaluate ALL of the plans from select top-rated insurance companies, so you don’t feel like you’ve only seen a little corner of the insurance market - we’ll quote every carrier for you.
Get the best plan.
Once you’ve seen how the companies’ prices compare, it’s about designing a plan that makes sense for your goals. Not everyone needs the same level of coverage, and most don’t want or need the extra “riders” that get slipped into many Long Term Care policies. We’ll first show you the “core” coverage without extra add-ons. If you’re the type that skips rental car insurance on your auto policy, you may not want many of the extra LTC riders either.
100% Pure Insurance, No Add-Ons.
Not surprisingly, small add-ons called “riders” are added to many LTC plans offered by agents who either are not experienced in the business or who simply want to sell the “sizzle” of the high-cost add on options. We think differently: most of these riders are not in your best interest, especially if you buy this and never need to use it. Our philosophy is to treat the customer with their long-term best interest in mind, always. The only rider most of our quotes include is inflation protection, but even that may not be necessary depending on your age and goals.
"We started with a local agent but quickly realized we may be paying too much for LTC coverage. After a discussion with LTC Tree, we determined that there was a better way. We ended up with a guaranteed premium and could not be happier.David P., Palentine Illinois