Long-term-care insurance starts here
Understand whether coverage makes sense, what it may cost, what kind may fit, and what you may qualify for.
Private, straightforward help from Andy Stroman, CLTC. Your information is not sold to multiple agents.
What are you trying to figure out?
You do not need to understand long-term-care insurance before speaking with someone about it. Start with the question that brought you here.
Does long-term-care insurance make sense for me?
Learn what the insurance is designed to protect, who it tends to fit, and when retaining the risk may be more sensible.
Link: See Whether It Makes Sense
What does coverage cost?
See how age, health, marital status, benefit design, inflation protection, and product type affect pricing.
Link: See Costs and Examples
Traditional or hybrid coverage?
Understand the differences among traditional LTC insurance, life insurance with LTC benefits, and annuity-based coverage.
Link: Compare Coverage Options
Can I qualify?
Medical underwriting matters. Learn what insurers typically evaluate and when preliminary screening may be useful.
Link: Understand Qualification
How much coverage should I consider?
The goal is not necessarily to insure every possible dollar of care. It is to decide how much risk you are willing to retain and how much you would prefer to transfer.
Link: See How Buyers Approach It
What happens if I never need care?
That depends on the kind of policy you buy. More importantly, you should be comfortable with the purchase even if no claim is ever made.
Link: Understand the Tradeoffs
Insurance is not supposed to make you richer
Long-term-care insurance often does not maximize financial returns if everything goes well.
If you never require care, self-funding typically appears more advantageous in hindsight, which is common with most insurance.
The purpose of long-term-care insurance is to pay a smaller, known cost to transfer part of a larger, unpredictable risk.
This risk extends beyond finances. An extended care event influences where care is received, who provides it, the pressure on a spouse or children, and the freedom to spend other assets.
Examples
Evaluating long-term care insurance requires more than just a national average or a generic premium chart.
The best approach depends on the buyer’s financial situation, health status, family dynamics, priorities, and willingness to accept risk.
The following examples illustrate how different buyers might approach their decision.
Married Couple, Ages 58 and 60
They have significant retirement savings but want to ensure that a long-term care event doesn’t deplete those assets. They compare traditional coverage with a life/LTC hybrid policy to determine if insuring a specific portion of the risk is more suitable than covering the entire potential expense.
Link: View This Example
Single Woman, Age 62
Without a spouse to provide substantial care, she seeks resources for professional assistance without relying on extended family. Her decision focuses on affordability, independence, and the monthly benefit that would enhance her options.
Link: View This Example
Couple with $2.5 Million Invested
While they could afford care themselves, doing so might impact their spending, gifting, and inheritance plans. They consider whether transferring part of the risk would allow them greater flexibility with their remaining assets.
Link: View This Example
The LTCInsurance.com process
1. Share Your Thoughts.
We start with a brief conversation about what sparked your interest, your goals for insurance, and any immediate health or budget considerations.
2. Identify the Next Steps.
Based on your situation, the next step could involve policy comparisons, a preliminary health screening, a detailed funding review, or no further action.
3. Explore Realistic Options.
If insurance seems suitable and available, we’ll compare relevant policy types, companies, benefits, costs, guarantees, and trade-offs.
4. Apply When You’re Ready.
There’s no obligation to apply. If you choose to proceed, I’ll assist you with the application and underwriting process until your policy is delivered.
Specialized help with the long-term care insurance decision
LTCInsurance.com isn’t a general retirement firm, elder-law practice, Medicaid-planning service, or lead-generation site.
We focus on:
- Explaining what long-term care insurance can do
- Deciding if coverage is worth serious thought
- Assessing your desired level of risk
- Checking your likely insurability
- Comparing fitting insurance options
- Helping with the application and placement of coverage
A full long-term care plan may also include legal documents, family talks, housing options, care preferences, financial planning, and other expert advice. While these are important, they are not our main focus.
Not buying coverage can be a sensible choice
Long-term care insurance isn’t right for everyone.
It may not fit your needs if premiums strain your budget, if your financial risk is low, if you can handle the costs of extended care, or if the policies available don’t offer good value.
The goal here is not to push you to buy, but to help you make a well-informed choice, whether that’s getting coverage, accepting the risk, or looking at your options later.
Work directly with Andy Stroman
LTCInsurance.com is owned and operated by Andy Stroman, CLTC, an independent long-term-care insurance specialist.
When you call or submit a request, your information does not go into an auction or get distributed to several agents. You work directly with Andy from the first conversation through policy placement.
Andy helps individuals and couples evaluate traditional long-term-care insurance, hybrid life/LTC policies, and annuity-based LTC solutions.
Secondary link: Talk With Andy
Frequently Asked Questions
Do I have to know what kind of policy I want?
No. Most people do not know whether traditional, hybrid life, or annuity-based coverage is the better direction before reviewing the differences.
The first step is understanding what you want insurance to accomplish.
Do you represent one insurance company?
No. Appropriate options may be compared from multiple insurers, subject to state availability, product access, suitability, and medical eligibility.
How are you compensated?
There is generally no separate fee for insurance consultation or policy comparisons. If you purchase a policy through Andy, compensation is typically paid by the issuing insurance company.
Will my information be sold?
No. Your inquiry is not sold or distributed to multiple agents.
Information may be shared with insurers, underwriting partners, or service providers only when necessary to evaluate or apply for coverage and with appropriate authorization.
Do I need to complete a financial plan first?
Not necessarily.
Some buyers benefit from a more detailed review of assets, income, care assumptions, and retained risk. Others already know what they want to protect and can move directly to health screening and policy comparisons.
Can you tell me whether I will qualify?
No one can guarantee approval before underwriting.
However, preliminary screening can often identify likely problems, more realistic product categories, and insurers that may deserve consideration before a formal application is submitted.
What if I already own a policy?
Existing coverage should not be replaced casually.
The first task is to understand what you have, what it costs, how it has changed, and whether there is a legitimate reason to consider an alternative.
What states do you serve?
Andy is currently licensed to assist residents of [INSERT STATES OR LINK TO CURRENT LIST].
Availability varies by state, insurer, product, and individual eligibility.
Start with a short conversation
You do not need to prepare a complete financial history or decide what kind of policy you want.
Tell me what prompted your interest, and we will determine the most sensible next step.
No pressure. No obligation. No distribution of your information to multiple agents.