Welcome to Georgia's LTC Insurance Comparison Quote Site

Wondering how Long Term Care Insurance workings in Georgia? Call our assistance line at 404-334-5808 for a representative.

range of hybrid policies available from some of America's largest insurance companies. The key for you as a consumer is to shop impartially among the companies and plans available to ensure you're getting the best plan at the lowest possible premiums. In Georgia, LTC Tree found that the median policyholder starts coverage at age 60, meaning about half of Georgians start planning in their 50s and the other half in their 60s. If you fall into these age bands, it's a good time to Compare Long Term Care plans available to you from virtually all of the major companies that sell this. The key is to shop (online, of course!) with a Georgia-licensed insurance representative who is independent and can show quotes from the entire field of options.

Compare Side-by-Side Long-Term Care Plans in 3 Minutes

Long Term Care Insurance Discounts in Georgia

We sat down and analyzed the various forms of discounts that the Office of Insurance and Safety Fire Commissioner (OCI) has approved for sale in Georgia. We found the following types of discounts available with various insurance companies:

• Every single company we analyzed offered marital or partner discounts of 5 - 40%. This is substantial, and there are some strategies to get large discounts even if only one spouse or partner wants coverage. A smart rep can save you as much as a few thousand dollars a year in premiums.
• One "mutual" company offers a 5% discount to LTC shoppers who also buy their Medicare supplement insurance.
• A major AAA rated insurer offers a 20% sibling discount. This may apply to you if you and a sibling apply together.
• Company discounts of up to 5% are available for small business with some carriers.

Understanding the costs of long-term care is crucial for planning. According to the Administration for Community Living, the average American turning 65 today has a nearly 70% chance of needing some type of long-term care services in their lifetime. This makes policy comparison and evaluation of LTC costs essential steps in the planning process.

While you're never going to get your tax advantages for free, we can help reduce the cost as much as possible by applying some smart discount strategies. For example, just selecting "married" on an application is often enough for a 15% marital discount even if your spouse is not applying. Add them to your policy for a small premium and get a 30% discount effectively making their modest policy "free" relative to if you'd applied alone.

How to Compare LTC Policies Sold in Georgia?

The following company reviews offer state partnership policies in Georgia:

• Genworth
• Mass Mutual
• Transamerica
• Federal LTC Program 2.0
• State Farm
• Mutual of Omaha
• LifeSecure
• Northwestern Mutual
• New York Life
• State Life Insurance Company
• Lincoln
• Pacific Life

*Note: we don't directly sell policies from State Farm, Northwestern, or NY Life. Instead we have partners who can assist you if you decide to purchase a policy from one of these companies.

Compare your options by completing our quote request form on this page.