About QuoteOnLTC

Long-term care insurance is complicated. There are more than 20 carriers, hundreds of policy configurations, and premiums that can vary over 100% between companies for identical coverage. Trying to navigate this on your own is a research project most people don't have time for.

That's what QuoteOnLTC exists to solve.

How It Works

You fill out one form. A licensed Long-Term Care Insurance Specialist — vetted and certified through the LTC News partner network — reviews your situation and shops every major carrier on your behalf. You get personalized quotes, an honest comparison of your options, and a recommendation tailored to your age, health, budget, and goals.

No cost. No obligation. No pressure.

Who We Work With

Our specialists represent more than 20 of the top long-term care insurance companies in the US, including:

AARP/New York Life, Aetna, Bankers Life, Genworth Financial, Guarantee Trust Life, John Hancock, Kemper, Knights of Columbus, LifeSecure, Lincoln Financial, MassMutual, Medico, Mutual of Omaha, National Guardian Life, Nationwide, Northwestern Mutual, OneAmerica, Pacific Life, Securian Financial, Thrivent Financial, Transamerica, United Security Assurance, and New York Life.

Because our specialists work with all major carriers — not just one — they can find policies that fit your situation rather than selling what a single company offers.

What Makes Our Specialists Different

Not everyone who sells insurance understands long-term care. Financial advisors, general insurance agents, and certified LTC specialists bring very different levels of expertise to the conversation.

Our specialists are Certified Long-Term Care Insurance Specialists with:

• Substantial experience specifically in long-term care insurance
• Deep knowledge of underwriting, policy design, and claims experience across carriers
• Access to all or most of the leading insurance companies

They don't just quote prices. They understand which carriers are favorable for your health profile, which policy structures make sense for your financial situation, and which options most people overlook.

Learn more: Financial Advisor or Insurance Specialist?

Our Partnership with LTC News

QuoteOnLTC is an LTC News Trusted Partner. LTC News is the leading long-term care information and planning resource, providing news, educational content, and tools like the Cost of Care Calculator that helps consumers understand what care costs in their area.

This partnership means our specialists are held to LTC News's standards for expertise, ethics, and consumer service. It also means you have access to LTC News's full library of long-term care resources as you make your decision.

Why Compare Before You Buy

Premiums for the same coverage can differ by 100% or more between carriers. Underwriting standards vary — one company might decline you while another offers preferred rates. Policy features, inflation options, and partnership status differ by carrier and by state.

A specialist who works with all major companies can find the right fit. Going direct to a single carrier means you only see what they offer — and you'll never know if a better option existed.