<p>Possibly looking to get a policy. Anyone know where to get a basic policy at the best price? We are not looking to get policy $ back, dividends etc.-just straight coverage in a nursing care facility only. We would want near 100% coverage for an extended period (not looking for 4 year coverage). </p>
<p>I checked AARP already. Anyone know where I can get started on this, maybe get quote online without identifying myself for advertising and badgering. All the websites I have seen ask you to give your personal info and email address. I am frozen and want to get moving at least to investigate this.</p>
<p>I can tell you that First Penn Pacific Money Guard is one of the most highly regarded policies, but part of that is because it does have some money back aspects, which is a biggie for a lot of people.</p>
<p>Through an agent recommended by a friend. I understand the pestering concern, but I had already determined I wanted it for my wife and I. One thing to keep in mind: if you will have a good pension or good investments don’t buy a huge amount. Use the insurance to supplement the money you will have.</p>
<p>My wife and I will both have very generous civil service retirement incomes so we bought only $100.00 per day. Also the younger you are when you start, and if you are of the female gender, the lower the per year cost will be. Of course you will be paying for it for a longer time. I didn’t get the insurance until I was, well never mind, but at an age that people regard as old so it’s not cheap.</p>
<p>I also have a policy with GE that is very good, but the policies vary considerably in different parts of the country, so its worth shopping around. There are some very good articles available on line on consumer-orientated sites as to what to look for in a policy, what to avoid, etc. – so I’d suggest starting with educating yourself as to what you want. </p>
<p>I had very good luck also by doing exactly what you fear: submitting my personal info on line and asking to be contacted by an insurance rep. I was contacted by a very nice and highly professional woman about my age who came to my home and went over options with about 3 different policies. There was no pressure at all – I could see my choices and found the agent very informative. Ultimately, its the job of a good agent to be knowledgeable about offerings and able to present you with various alternatives: they will make more money in the long run if they have happy clients. If you in the market for LTC, time is on their side, so they don’t really need to put pressure on you. </p>
<p>Of course, as noted above, I had already done my homework and had a good idea of what I wanted and what all the various features & options were.
It didn’t seem to result in my receiving spam email from other sources, but if you are concerned about that you can always create a throwaway email address for purposes of the inquiry.</p>
<p>I just found the booklet and it is from GE Capital Assurance, We have a shared benefit plan. I believe we also have inflation protection with it.</p>
<p>Thank you all. I just wish there would be a way for me to look at the costs and benifits, getting my quote online without being bothered by insurance sales agents. Oh well.</p>
<p>you could go to a site online and ask to be contacted only via email, but you’d have to give a valid email address. Most agents don’t want to waste their time pestering you, only to give you the info requested.</p>
<p>I did my entire refi online and asked the guy not to call me at all, worked great.</p>
<p>You may need to either talk to some one a bit on the phone or exchnage multiple emails,as the topic is complicated and you want to ensure you understand the options</p>
<p>Thanks. I think H is going to check it out. He said he’s contacting an agent and had ordered some material from a professional association. That way we can compare the group costs and benifits vs. individually purchased insurance.</p>