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"You pay for insurance with your money ... you buy it with your health."

We all tend to take our health for granted. We can be healthy and active one minute and in the next have a stroke or be in a car accident and become completely and permanently disabled. Things can change in a blink of an eye. Ask yourself how you would feel if you had a change in your health that made it impossible to get long-term care insurance regardless of any premium you would be willing to pay?

Your health does not have to be perfect to purchase long-term care insurance, however, there are certain health conditions and combinations of health conditions that can cause you to be uninsurable.

These conditions are uninsurable:

  • Alzheimer's
  • ADL limitation - existing need for help
  • ALS (Lou Gehrig's)
  • Cystic Fibrosis
  • Dementia
  • Heart transplant
  • Huntington's / Chorea
  • Liver transplant
  • Memory loss
  • MS - Multiple Sclerosis
  • Muscular Dystrophy
  • Parkinson's
  • Strokes / TIAs - if multiple
  • Walker or Wheelchair use
Other conditions or combinations of conditions may also be uninsurable.

LTC insurance is "medically underwritten".  You must apply before you know you will need it..

The chart below shows you the percentages of people that apply that are declined. You can see that the younger you are, the better chance you have of getting long-term care insurance!

Your Age% DeclinedUnder 50  7.3%50 - 5913.9%60 - 6922.9%70 - 7944.8%70+69.8&Source: American Association for Long-Term Care Insurance, 2007
CLICK HERE to download the updated NAIC "Shopper’s Guide to LTC Insurance"
Comfort Long Term Care is an independent insurance brokerage agency specializing exclusively in LTC insurance. Agency owner, Bill Comfort, The LTCpro® is a LTC specialist celebrating 30+ years of experience since 1991! We are based in the Raleigh, Durham, Chapel Hill, North Carolina Triangle region, but we serve clients throughout NC and across the country. We also have an office in St. Louis, Missouri.
​Click here to learn more about us!
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The information on this website is for general informational and educational purposes only, and it is not intended to be a direct solicitation for the sale of any specific insurance company or policy form.  Not all policy types, options, or riders discussed in general terms on this site are available in every state.  Individual requests for specific company or policy information will be directed to a properly-licensed agent for the applicable state of residence.  For complete information about any specific coverage - including limitations and exclusions - refer to a company-specific illustration and Outline of Coverage.
  • TakeCare!
    • LTC Awareness
    • Hybrid LTC Insurance Info
    • Partnership LTC Insurance
    • Tax Guide
    • Claims
    • Glossary
  • LTC Rate Increases
  • News
  • About
    • Bill Comfort
    • Companies
    • Rinny
  • Contact