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What Premium Discounts Are Available for Long Term Care Insurance? |
Spousal, Partner, and Gay and Lesbian Discounts
Long Term Care Insurance companies are allowed to offer premium discounts for couples, partners, and even for people living in the same house such as two bothers when they both apply for coverage. These Long Term Care Insurance premium discounts can also be provided in multi-life cases, multi-generational, as well as gay and lesbian couples.
The typical Long Term Care Insurance couple and partner discounts range anywhere from 10 to 50 percent, depending on the specific insurance company. Because the potential premium savings on your Long Term Care Insurance policy may be significant, be sure to ask your agent about these discounts.
Gay and Lesbian Partner Discounts
It is important to note that most all Long Term Care Insurance companies offer the "Married or Couple" discounts to gay and lesbian couples who live together. Genworth Financial, John Hancock, MetLife, Mass Mutual, and Prudential, for example, all extend their Long Term Care Insurance married discounts to these individuals.
Preferred Health Discounts
Preferred, or Good Health Discounts, are extended to Long Term Care Insurance policy holders who have better health than most. These preferred health discounts can be significant and range from 10 to 20 percent off the entire Long Term Care Insurance premium. Different Long Term Care insurance companies have different preferred health criteria, so be sure to check with several companies to maximize your chances of getting the preferred health discount.
At LTC Tree we can help guide you through the maze of discount options so that you can truly maximize the premium discounts available for you. Simply fill out the form below to get started today.
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Last Updated ( Thursday, 29 July 2010 )
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