Long-term care insurance covers costs for care services that help with daily living activities, either at home or in a facility, while life insurance provides a death benefit to your beneficiaries after you pass away. Some life insurance policies can include long-term care benefits, offering combined protection.

It depends on the condition and the severity. While some conditions may affect your eligibility or premium costs, many carriers offer options for individuals with pre-existing health issues. It’s best to discuss your situation with a specialist who can help find the right plan.

Approval times vary depending on the insurer and the complexity of your health history. Generally, the process can take anywhere from a few weeks to a couple of months, as it may involve a health assessment and reviewing medical records. Our team will assist you throughout the process.

If you have a traditional long-term care insurance policy and don’t need care, the benefits simply won't be used, similar to how some other types of insurance work. However, some policies offer a return-of-premium feature or can be linked to life insurance, providing a death benefit to your beneficiaries if long-term care is never needed.