...one side is the consumers' rates go up on their long term care policies because the insurance company mismanages the risk.  The other side is the consumer picked a low end company to probably save money.  Typically these low end long term care insurance carriers will have prices that are too good to be true to entice you into buying and the big companies that every one has heard of like a MetLife will be a little higher but your rates will be much more safe down the road.  The consumer need to take responsibility and simply don't buy from a company that is not a blue chip company like: Genworth Financial, John Hancock, Prudential, MetLife, and Allianz Life.  For the most part if you go with a big brand name company you've heard of you should be ok because the last thing in the world a company with the brand recognition such as John Hancock wants is their name associated with seedy business practices.  They have worked hard to build their good name and certainly don't want to throw it away by raising rates unfairly.  Nothing is guaranteed with the big companies but as a rule your long term care insurance rates should not increase if you go with a company with a proud long history and deep pockets. 

     At LTCtree.com we work with ONLY companies who have never raised their long term care insurance rates on policy holders; unless the applicant cannot qualify with the elite companies because of serious heath problems.  In those cases you are a higher health risk so the only companies that will insure you are higher risk companies.  We will always let you know the history of the company you are dealing with before you buy.  We think that people who will be on fixed income in their retirement years don't need their long term care insurance rates going up.  Although the following companies reserve the right to raise rates they have never done so since:

1. Genworth Financial has not raised long term care insurance rates since their inception 1974. 

2. John Hancock has not raised long term care insurance rates on their products since their inception 1987.

3. MetLife has not raised individual long term care insurance rates since their inception 1986.

4. Allianz Life has not raised long term care insurance rates since their inception 1990.

5. Mass Mutual has not raised their long term care insurance rates since their inception 2000.

6. Medamerica has not raised their long term care insurance rates since their inception 1987.

7. New York Life has not raised their long term care insurance rates since their inception 1988.

     Call us on the toll free number with questions or simply fill out the form below and we will quote you ONLY companies that meet our strict guidelines of never raising rates on long term care insurance rates.  Thanks for stopping by...we really appreciate it.