Personal Insurance

Long-term care insurance is insurance that covers individuals for medical, nursing care, assisted living facilities and/or nursing home fees when they become unable to take care of themselves.

Term life insurance and long-term care insurance are two different types of insurance. Term life insurance pays when the insured dies. Long-term care insurance pays as the insured recovers.

In 2008, the average cost of a room in a skilled nursing facility in the United States was $212 per day or $77,380 per year, according to the MetLife Mature Market Institute. Long-term care...

It is important to pick a financially sound long term care insurance company when shopping for this important protection

What would happen if you found yourself in a situation where you were unable to care for yourself on a daily basis? How would you pay for the help needed to perform ordinary daily functions? While...

Long term care insurance is an insurance policy designed to pay for the cost of nursing or home care. Many people fear they will need to enter a nursing home as they age, either as a result of...

Insurance coverage comes in all shapes and sizes. It runs the gamut from personal insurance to corporate umbrella liability plans, as well as run-of-the-mill auto and homeowner's insurance. There...

Long-term care insurance provides protection for people who want to preserve their assets in the event they are no longer able to care for themselves later in life. As people continue to live...

Term insurance is one of many types of insurance polices which both individuals and businesses require over time. Most often, it is used as short term coverage. It really depends on the needs of...

Whether term life insurance or whole life insurance is better will depend on which insurance will provide coverage to the insured upon death. Term life insurance is cheaper, but it only lasts for...

Term life insurance is a relatively inexpensive form of life insurance that provides benefits to dependents for a certain period of time if the insured person dies. Protect family from dealing...

Long-term health care insurance is used to cover the cost of long-term care facilities, which can cost between $50 and $400 a day. Protect against the financial burden of long-term care costs by...

The two main types of disability life insurance are long-term disability insurance, which covers loss of income for an extended period of time, and short-term disability insurance, which is only...

Long-term care insurance is a frequently misunderstood insurance product. Usually thought of as being little more than a nursing home provision for senior citizens, it generally does not often...

At todays cost you will spend over $200,000 for long term care, and if we consider that the cost of care will double in 14.5 years it will be somewhere between the cost today and if you need care...

Some people are either deciding to hold off buying long term care insurance or they have decided to not buy and to self-insure, which is for you?