We work for you, not the insurance companies.
Family-owned and independent. For 28years, we've helped families compare top long-term care insurance carriers side-by-side — with zero pressure and zero bias.
No home visits. No hard sell. No obligation. Compare traditional and hybrid policies from every top carrier — on your schedule, not ours.
We shop the whole market — no captive agents.
28 years, still family-owned.
Honest comparisons. You decide when you're ready.
"They compared carriers side-by-side and never pushed. We chose the plan that fit our family, not theirs."
We compare rates from the top carriers
Why Choose LTC Tree?
Family-owned and independent, helping families navigate Long Term Care planning since 1998.
Independent & Unbiased
We don’t work for the insurance companies. We work for you — helping you objectively shop the entire market of Long Term Care Insurance companies.
Virtual Convenience
No home visits required. We use screen-sharing to review options from the comfort of your home.
Market Expertise
We know which carriers are raising rates and which have stable pricing histories.
What is Long Term Care Insurance?
Long Term Care Insurance is a financial planning tool used to remove your biggest retirement worry by protecting your assets from the high cost of needing Long Term Care services. It picks up the bills for Home Health Care, Assisted Living, Hospice, Adult Day Care or of course Nursing Homes.
The average nursing home costs $92,365/year.
Without coverage, families pay out-of-pocket — draining retirement savings in just a few years. A policy purchased today locks in lower rates and ensures you have a plan.
Premiums increase 2-4% for every year you wait.
A 55-year-old pays ~40% less than a 65-year-old for the same coverage. Lock in your rate today.
Who is LTC Tree and How Do We Work?
LTC Tree is a nationwide network of agents who work with all the major Traditional and Hybrid Long Term Care Insurance companies. We help our clients shop the entire market to find the best company at the best price.
Our process is 180 degrees from what you would expect from a local agent. Instead of lengthy face-to-face presentations, we deliver all information directly to you with side-by-side cost comparisons so you can review options at home, on your own time.
We Compare Everything
We provide side-by-side cost comparisons from every top-rated carrier, so you can see exactly how plans stack up.
Delivered to Your Door
All the information you need is sent directly to you. Review options at home, on your own time — no office visits required.
No Pressure Process
No lengthy sales presentations, no hard closes. We give you the facts and let you decide when you're ready.
Get a Personal Quote
LTC Tree, the smart and easy way to shop for Long Term Care Insurance. Watch the video below to see an example of what info you'll get.
- 1
Reviews of each company's financial stability ratings, claims experience, and size.
- 2
A side-by-side comparisonof each company's policy features. We cover the similarities and the differences.
- 3
Price comparisons customized to suit your specific needs from top carriers such as Nationwide, Thrivent, New York Life, National Guardian Life, Mutual of Omaha, and more.
Carriers quoted will depend on your state. Completing this form does not bind you to any insurance policy.
Ready to Compare Rates?
Our detailed multi-step quote form helps us find the best coverage options for your specific situation. It takes less than 2 minutes.
- Compare multiple carriers side-by-side
- Personalized to your health and budget
- No obligation — just transparent pricing
By submitting, you agree to our Terms of Service and Privacy Policy.
Learn More About Long Term Care
The learning experience is easy. Take your time and learn the core product first, then explore various companies and policies. LTC Tree has the most current and comprehensive information on the web, so you've found the right source.
Pro Tip
Truthfully, if you are in your 50's or 60's and have good health, if you wait a year or two to buy long term care insurance it won't be a big deal on price. Take your time, compare plans, and reach out when you're ready.
Don't leave your family guessing.
70% of Americans over 65 will need long-term care. Get a side-by-side comparison of the top plans available in your state.
Get Your Free Quote