IMPORTANT - Before you spend time researching insurance options...
To buy an insurance policy, you will need to qualify medically. Certain health conditions that are under control, or resolved, may seem fine to you and your doctors, but may present additional risks to an insurance company.
It is strongly recommended that you review the Medical Pre-Qualification Forms below. Then call Ray at 781-237-0004 to discuss any "Yes" answers and health history that may need further clarification. You do not need to fill them out, simply use them as a tool to review your medical history.
Government Required Consumer Guides & Links
- NAIC - A Shopper's Guide to Long Term Care Insurance Revised 2019
- LTC & Your Options for Financing It - A Massachusetts Guide Revised 2016
- CMMS Guide to Choosing a Medigap Policy 2022
- A Massachusetts Consumers Guide to Medicare 2022
- Massachusetts Bulletin for People with Medicare - January 2019
- MA LTC Policies Intended To Qualify for Certain MassHealth Exemptions Clarification
The Insurance Company Product Brochures linked below are for residents of Maine, Massachusetts, New Hampshire, Pennsylvania, Rhode Island, and Vermont only. All other states, please contact us for the appropriate brochures approved in your state.
To help you learn more about LTC Insurance options, listed below are a couple Consumer Brochures and Sample Policies for your review. They can be used to help you develop questions for further discussions. These are not the only companies that we use. It is a very small sample of high quality options available. Company and product selection is determined by your individual situation.
Sample Policies - Email us for a state specific copy.
- Lincoln Financial MoneyGuard Fixed Advantage®
- Mutual of Omaha MutualCare® Custom Solution
- National Guardian Life EssentialLTC
- Nationwide CareMatters II
- OneAmerica Asset Care
- Securian Financial SecureCare III
- Thrivent LTC