Nearly 70% of Americans over age 65 will require some form of long term care
The fastest way to get long-term care insurance
In one focused call, Ryan helps you compare coverage options and move through the underwriting process faster, with medical support that comes to you when needed.
Most consultations take less than 15 minutes.
No obligation. Your information is handled privately. Compare policies from multiple insurance carriers where available and where the broker is appointed/authorized.
Typically helpful for individuals age 45–70 exploring long-term care insurance planning.
A few realities to plan around.
Average lifetime cost of care can exceed $300,000
Average duration of care needed: 3 Years
Medicare typically does not cover most long-term care expenses
15 minutes or less to get clarity
A licensed broker can quickly walk you through long-term care insurance options, answer your questions, and help you focus on the coverage worth comparing.
Schedule a callApplication Support
No need to handle the medical on your own.
If underwriting calls for medical requirements, our licensed medical partners come to you and handle the visit for you so you can relax while the process keeps moving.
Long-term care underwriting can involve health questions, record review, and sometimes cognitive or exam requirements, which is why this support matters.
How it works
Three steps, one short conversation.
No paperwork marathons or seven phone calls. A single focused process, designed around your schedule and what you actually need to know.
A short, focused call
Ryan listens to your situation, answers questions, and narrows what's worth comparing for your age and health.
Compare real options
You see coverage side-by-side from the carriers Ryan is appointed with — premiums, benefit structures, and trade-offs in plain language.
Medical exam at home
If you move forward, a licensed nurse comes to you for the exam — no clinic trip, no scheduling around someone else's calendar.
Meet the broker
Meet Ryan Doyel
Ryan is the licensed independent insurance broker behind LongTermCare.Pro, helping families compare long-term care coverage with calm guidance and a real person they can actually talk to.
No call-center handoff. Just a thoughtful conversation about costs, carriers, and what fits your needs.
Licensed broker · CA LIC# 4421924
Frequently asked
Questions people ask before they call.
Long-term care planning comes with real questions — not just about coverage, but about timing, health, and what happens next. Here are the ones we hear most.
Most people explore long-term care insurance between 45 and 70. Before 45 is usually premature. After 70, premiums increase and fewer carriers accept new applicants — but it isn't automatically too late, it just depends on health.
The honest answer is: a 15-minute conversation tells us quickly whether your age and situation still line up with a real option worth pursuing.
Many conditions are insurable — especially well-managed ones like controlled hypertension or thyroid issues. Some conditions do make coverage unavailable or significantly more expensive; every carrier underwrites differently.
Ryan will share what's realistic up front. No false hope, no surprises late in the process.
Medicare covers short-term rehabilitation and medical care, but not extended custodial support — the day-to-day help with bathing, dressing, or living independently that most people actually need as they age. Long-term care insurance is specifically designed for that kind of ongoing support, at home or in a facility.
Traditional LTC policies work like term insurance — premiums fund the benefit pool. But there are also hybrid policies (life insurance or annuities with LTC riders) that return a death benefit or cash value if care isn't needed.
Which structure fits depends on your goals. Ryan walks through the trade-offs so you can decide whether "use-it-or-lose-it" or "return-of-premium" makes more sense for your situation.
Premiums depend heavily on age, health, state, coverage amount, and policy structure — there isn't one number to quote honestly. In general, the earlier you start, the lower the annual premium locks in.
After a short call, Ryan can give you a realistic range for your situation across multiple carriers, so you're comparing apples to apples.
No. The first call is about understanding your situation and answering questions. You'll never be asked to decide on coverage during that conversation — long-term care is not a decision anyone should make under pressure.
If you move forward later, it's because the numbers and structure actually make sense for you.