Estimate Your Insurance Premiums Instantly with our Long Term Care Insurance Calculator

Long-term care expenses can devastate a retirement plan — but LTC insurance can help cover those costs, protect your savings, and give your family peace of mind.  Our Long Term Care Insurance Calculator helps you make informed decision.

If you’re considering long-term care coverage, the first question is usually: “How much will it cost me?”

Use the simple tool below to estimate your monthly premiums based on your age, gender, marital status, benefit amount, benefit duration, and inflation protection. These are not formal quotes — they’re ballpark estimates based on current industry averages, adjusted for inflation and health trends.

Step 1: Submit Your Info

Step 2: Use the Calculator Below

Premiums shown are estimates only. Final rates depend on underwriting, benefit structure, and health history.

What Affects the Cost of Long-Term Care Insurance?

Long-term care premiums vary widely based on age, gender, benefit options, and inflation protection. Here’s what to keep in mind:

• Age: The younger you are when you apply, the lower your premiums will be — especially before age 65.
• Gender: Women typically pay more because they live longer and are more likely to file LTC claims.
• Benefit Amount: Higher monthly benefits (like $5,000 or $10,000/month) increase cost.
• Benefit Duration: Policies can last 2 to 9 years. The longer the duration, the higher the premium.
• Inflation Protection: Adding 3% compound inflation grows your benefit over time — but also increases cost by 30–100%.

How We Help You Find the Right Coverage

At Diversified Insurance Brokers, we work with over 75 top-rated insurance carriers nationwide. We’re independent — which means we don’t push one company or one product. Instead, we help you compare traditional LTC plans, hybrid life + LTC options, shared care plans, and tax-advantaged strategies to fit your goals and budget.

Our team has helped thousands of families plan for the unexpected and preserve their retirement savings. We’re family-owned, licensed in all 50 states, and committed to helping you make informed, pressure-free decisions.

Need Help Choosing the Right Policy?

This calculator is a great first step — but it’s just that. Your personal health history, income, asset protection goals, and family dynamics all play a role in finding the right policy.

If you’d like personalized guidance or help comparing quotes, contact us today. There’s no cost, no pressure, and no obligation.