Where to Purchase Long-Term Care Insurance?

Shawn Plummer

CEO, The Annuity Expert

Understanding Long-Term Care Insurance

Long-term care insurance (LTCI) is designed to cover long-term services and supports, including personal and custodial care. It’s a crucial part of financial planning, especially as you age.

Options for Purchasing Long-Term Care Insurance

  1. Independent Long-Term Care Insurance Agencies: Agencies like The Annuity Expert offer specialized services. They typically represent multiple insurance companies, offering a range of products like LTCI, hybrid policies, annuities, and life insurance with long-term care benefits.
  2. Direct Purchase from Insurance Companies: You can buy LTCI directly from insurance providers. This allows you to deal directly with the company that will be providing your coverage. However, they can only get rates from their company.
  3. Employer-Provided Options: Some employers offer long-term care insurance as part of their benefits package. This can be a convenient and sometimes cost-effective option.

Benefits of Using an Independent Agency

  • No Fee Services: Agencies like The Annuity Expert do not charge fees for their services.
  • Variety of Options: Representing multiple companies allows us them offer a wider range of products and policies.
  • Personalized Comparisons: They can provide comparisons of different policies from various companies, helping you make an informed decision.

Factors to Consider When Choosing LTCI

  • Coverage: Understand what types of care are covered.
  • Cost: Premiums can vary, so it’s important to get quotes from multiple sources.
  • Company Reputation: Look for companies with good financial strength and customer service records.
  • Policy Features: Consider features like inflation protection and waiting periods.


Selecting the right long-term care insurance requires careful consideration of your needs and comparison of available options. Consulting with an independent agency can provide valuable insights and a range of choices. Remember, the goal is to ensure that you are adequately covered for future long-term care needs. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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