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  • Price Comparisons from top Blue-Chip Hybrid Companies: Minnesota Life, Securian, Lincoln Financial, John Hancock, Mass Mutual, Pacific Life, State Life, One America, Nationwide and New York Life.
  • A detailed review of each company’s financial strength ratings including Comdex Score.
  • Side-by-Side comparison of each company’s features, strengths and weaknesses.

Hybrid QuoteWiz ™

, in the next step we'll customize your quotes and provide cost of care data for .

Please provide your contact e-mail/phone number.

, in this last step we’ll gather a few final details to prepare your quote. The benefits questions are optional, but are helpful if you are familiar with how these work.

Daily Coverage

Long-Term Care Insurance policies pay a daily amount towards home care, assisted living, or nursing home. Home care is the most common claim, with 75% of claims starting at home.

Plan Duration

Average claim: 2.9 years. Assuming you don’t have a crystal ball, you don’t know how long you’ll need Long Term Care for. The chance of needing Long Term Care is 1 in 2, but the chance of needing it for over five years is much smaller. Like any insurance, you may buy this and never use it, so finding a balance is key.

Return of Premium

Add this option and you’ll be able to leave your beneficiary the total sum of all of your premiums paid, less any claims you’ve made. If the thought of buying this and never using it bothers you, guarantee a return of funds with Return of Premium.

Home Health Care on Day 1

Coverage for care at home is available with no waiting period. This 10-15% extra option is the most popular add-on rider.

Shared Coverage

Women make longer claims than men, on average. Hedge your risk with your spouse by adding a Shared Care rider to your policy.

Inflation Protection

If you're buying this thinking of using in the future, include inflation protection.


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