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1) Be sure the insurer you finally choose is licensed to sell long term care insurance in your state. Don't buy from an insurer until you have verified their legitimacy, reputation and standing. Find out what services like Moody's Investor Services, BBB, Standard & Poor's Insurance Rating Services and others have as their rating for such an insurer.

This is truly vital in long term care insurance as most claimants are usually in no physical or mental state to insist on their rights. Furthermore, certain ruthless insurers have been charged with delaying processing claims in the belief that some of such claimants will pass away before the process is completed.

2) It is crucial that you know for sure when your preferred insurer sees a policy holder as qualified for benefits. What factors make an insured eligible to get benefits? Is it, for example, when a policy can't complete mundane activities without assistance?

3) Is there any provision that guarantees your benefits are untouched by inflation or possible increase in the cost of long term care? Make sure they have one and that their terms are acceptable to you. A good example is an inflation adjustment clause that guarantees that benefits in line with the cost of long term care at any point in time.

Get and compare long term care insurance quotes form many insurance quotes sites. And, you should understand that since the likelihood of getting lower long term care insurance quotes is proportional the number of quotes you receive, the more insurance companies you receive quotes from, the brighter your chances.