Texas's LTC Comparison Quote Site

Let us shop the market of Long Term Care insurers in Texas without bias. We'll sort your rates from lowest to highest and include the financial strength ratings of each insurance company. Texas has different LTC plans than many other states, so it's critical to only consider policies available and approved for sale in Texas by the Texas Department of Insurance (the state's regulator that administers all insurance regulation in Texas.)

Long Term Care Insurance Discounts in Texas

Texas not only has unique state-approved policy forms, but also has approved several types of premium discounts which are available on Texas Long Term Care Insurance policies. Here are some example types of discounts available on Long Term Care policies, which may reduce your premiums by thousands of dollars on a similar Long Term Care policy:

• 5% Small Business Discount may apply to businesses considering coverage with some insurance companies.
• 5 - 15% "Marital" or "Partner" Discount for married couples and committed partners (sharing common living expenses) will reduce your premiums even if your significant other is not applying for coverage or doesn't want coverage. Just "checking the box" will activate this discount.
• 25 - 40% Discount for Joint Policies applies if you and a spouse or partner are both applying for coverage at the same time. By submitting a joint application, you can save nearly 50% off of some company's rates. You can apply for different benefit levels, leading to some interesting money-saving ideas.
• 10 - 40% Health Discount. Your good health means you may pay up to 39% less for the same coverage that you'd pay if "rated" in higher rate classes. Our estimates attempt to be as precise as possible, so please answer our health questions completely to save future heartache if rates change!
• 5% Association Discounts. If you're a member of certain alumni associations or trade organizations, some insurers will actually provide an additional 5% discount. However, often the rates these same carriers charge are more expensive to start with, meaning you may pay more for coverage than you could find elsewhere for the same benefits, even with a so called "group discount." Like anything, caveat emptor.

How to Compare LTC Policies?

There are numerous differences between seemingly similar LTC plans, so how do you know you're getting unbiased advice for enough coverage from a highly-rated insurer at the best possible premium? We are LTC Tree and we are a "super market" for Long Term Care Insurance, meaning we work hard to give you pure advice on the entire field of plan options available to you. In Texas, we have access to quote LTC plan rates from the following companies policies:

• Lincoln Moneyguard
• Pacific Life
• Genworth (Privileged Choice Flex)
• Mass Mutual
• Transamerica Transcare II
• Federal LTC Program 2.0
• State Farm
• Mutual of Omaha
• LifeSecure
• Northwestern Mutual
• New York Life
• State Life Insurance Company
• Nationwide Life Insurance

*Note: we don't directly sell coverage from Northwestern Mutual, NY Life, or State Farm. We can provide quotes and assist with locating a partner if you decide to purchase a policy from one of these companies in Texas.