Long Term Care Insurance

Long Term Care Insurance is one of the most widely discussed and volatile markets in the insurance industry

With changing companies, stricter underwriting guidelines, new gender specific rates and numerous and substantial rate increases, the LTC market requires careful review on the part of the consumer.

National Insurance Store  has contracted with most major carriers, including Genworth, Transamerica, Mutual of Omaha, John Hancock and Prudential to insure complete comparisons for the consumer. In addition to direct comparisons between the top carriers, National Insurance Store  offers some extremely valuable alternatives to those with medical concerns.

Long Term Care Alternatives
  • New! $500,000 lump sum benefit for home health care and/or nursing home care
  • Life Insurance with “chronic care”  riders which allow for access to the death benefit in the event of a long term care event. This type of policy allows for lump sum proceeds and prevents future premium increases.
  • One of the most troubling concerns in this market is not how a healthy 60 year old will be able to address his or her needs. A far greater concern is for those people who may not be able to qualify through conventional channels.
  • National Insurance Store has assembled a package of benefits that may be available to many people who have been declined by the major carriers.
  • In many states, we can offer near guaranteed issue Home Health Care Insurance plans which include full coverage for Alzheimer’s and dementia......3 day approvals.
  • We also may be able to help with “condition specific” exclusions which again, will provide full coverage for Alzheimer’s and dementia.
  • If you or your loved ones have been rated or declined for Long Term Care insurance, we may be able to help.

Get a Long Term Care Insurance Quote

Please check the policies you are interested in

Dennis Stephens, CLU

PO Box 11159
Burke, VA 22015

Dennis Stephens, CLU has been ​working with federal employees for 45 years and has been a Chartered Life Underwriter, CLU since 1987. He is licensed in all fifty states with all major insurance carriers. He has operated Allfeds.com, TermUSA.com and NationalInsuranceStore.com online for 20 years. The launch of SeniorFeds.com is designed to specifically address the the unique needs and concerns of the senior federal community.