Get Your Online Long-Term Care Comparison Report
Protect your retirement from the rising cost of care. Request custom long-term care insurance comparisons from A-rated carriers delivered to your inbox, then choose a plan and complete your application by secure e-signature. No home visits. No high-pressure sales.
Licensed in all 50 States | Specialists in Hybrid and Partnership Plans
My National Producer Number (NPN): 15524738
Designation: CRPC® (Chartered Retirement Planning Counselor)
Call us now at 770-755-1565 or fill out the form below
What Happens After You Submit The Form
You’ll complete one secure intake form, and then a licensed agent will email you:
- A side-by-side quote comparison (typically the top 3 best-fit options)
- A plain-language summary of benefits, tradeoffs, and costs
- A secure digital application link, if you decide you want to buy coverage
Premiums and funds are always paid directly to the insurance company—never to a broker. There is no intermediary custody of your money at any point.
A Better Way To Secure Your Future
Buying long-term care insurance doesn’t need to feel outdated. The goal is simple: give you real options, real prices, and a low-friction path to coverage.
- Browse On Your Time
Review your plan options when it works for you, without a multi-hour presentation. - Total Transparency
Compare traditional LTC, hybrid Life and long-term care, and asset-based solutions side-by-side so you can see what you gain and what you give up. - Email-First Process
You get numbers first. Then, if you want, you can hop on a quick call to confirm details before applying.
3 Steps To Getting Coverage From Your Laptop
Step 1: The Quick Intake
Complete a secure 2-minute form. We ask basic health, age, and coverage goals to filter out plans you won’t qualify for and focus on the best-priced options you can actually get approved for.
Step 2: The Custom Quote Report
A licensed agent shops multiple A-rated carriers and emails your comparison report, typically showing:
- A traditional LTC option (lowest ongoing cost for pure coverage)
- A hybrid Life and long-term care option (benefits for care plus a death benefit)
- An asset-based option (for those repositioning existing savings)
Step 3: The Digital Application
When you choose a plan, we email a secure e-sign application. Underwriting may include a phone interview and medical record review. If a medical exam is required, it’s usually scheduled at your convenience.
Traditional vs. Hybrid: Which One Can You Buy Online?
Most people shopping online gravitate toward plans that give them something back if care is never needed—but each option has trade-offs.
- Traditional Long-Term Care Insurance
Lower ongoing premiums are designed strictly to pay for care. If you never need care, there’s typically no payout to beneficiaries. Best for those prioritizing maximum leverage at the lowest recurring cost. - Hybrid Life Insurance with LTC Benefits
Combines life insurance and long-term care coverage into one policy. If care isn’t needed, your family receives a guaranteed death benefit. Premiums are higher, but you remove the “use it or lose it” fear. - Annuity-Based Long-Term Care
Uses existing savings to create a dedicated care pool. Often structured to provide leveraged benefits for care while protecting principal if care is never used. Popular for repositioning idle assets.
No option is “best” universally. The right answer depends on health, liquidity, family situation, and whether protecting heirs is as important as covering care.
Is My Information Secure?
This concern is valid—and necessary.
Buying long-term care insurance online requires sharing personal and medical information. Your data is collected through encrypted, HIPAA-compliant forms. Health details are only shared with insurance carriers involved in underwriting your application.
Why Trust The Annuity Expert
At The Annuity Expert, we’re an independent insurance agency that helps people shop and compare long-term care insurance from multiple carriers, so you can buy coverage that fits your goals and budget.
- Independent comparisons, not one-company sales
You’re not limited to a single brand’s pricing or underwriting rules. - Underwriting strategy matters
Different insurers view the same health history differently. Knowing where to apply first can save money and prevent unnecessary declines. - State Partnership experience
If asset protection is a priority, we help you evaluate Partnership-eligible options where available in your state. - Transparent process
You receive a comparison report by email, with clear tradeoffs, not a one-size-fits-all recommendation. - Help beyond the quote
We guide you through the e-application, underwriting steps, and policy setup so you don’t get stuck mid-process.
Questions About Buying Long-Term Care Insurance Online
- Do I still need a medical exam?
Many modern policies use simplified underwriting. Instead of a physical exam, approval often involves a phone interview and medical record review, depending on age and health history. - Can I get a State Partnership policy online?
Yes. State Partnership long-term care policies can be purchased remotely and provide Medicaid asset protection if care costs exceed your benefits. - How much coverage do I really need?
There’s no generic answer. Every comparison report includes cost-of-care estimates based on your state and inflation assumptions, so coverage decisions are grounded in reality—not fear.
Don’t Wait Until Your Health Changes
Long-term care insurance is one of the few products you cannot buy once you actually need it. Health changes close doors quickly, and waiting usually means fewer options or permanent denial.
Starting now doesn’t commit you to anything. It gives you clarity.
Call us now at 770-755-1565 or fill out the form above.