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CLTC Insurance Services Review


ConsumersAdvocate.org Rating: 4.7 / 5 (Excellent)
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CLTC Insurance Services is an insurance agency dedicated to matching customers with the best long-term care insurance policies.

Through their free online quote form, you may receive several long-term care insurance quotes from different insurance companies.
 
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Call: (800) 303-1527

How is CLTC Insurance Services rated?

Breakdown

4.7/5
Benefit Limits
4.7/5
Policies & Coverage
4.5/5
Customer Service

Overall Rating: 4.7 / 5 (Excellent)

CLTC Insurance Services is an insurance agency dedicated to matching customers with the best long-term care insurance policies.

Through their free online quote form, you may receive several long-term care insurance quotes from different insurance companies. They are a good choice for a one-stop shop, by allowing easy comparisons between plans.

Policies & Coverage

Policies & Coverage - 4.7 / 5

The types of care covered depends on the insurer you contract with, but in general, they may include the following:
Nursing home care, skilled in-home nursing care, adult day care, hospice care, personal and home health aides, homemaker services, and assisted living facilities.
Types of Covered Care
In-Home Care
Assisted Living / Adult Day Care
Nursing Home
Hospice Care
Medical Help Systems
Available Policy Riders
Inflation Protection
Shared Care
Return of Premium
Waiver of Premium
Alternate Care
Available Discounts
Partner / Household
Preferred Health
Multi-Policy

Policies & Coverage Fine Print

Policy Types:
Long Term Care Insurance
Hybrid Life Insurance with Long Term Care
Life Insurance with Accelerated Benefit Riders
Annuities with Riders to Fund LTC Cost
Critical Illness Insurance

Claims & Benefits

Benefit Limits - 4.7 / 5

Depending on the insurer you choose, you may receive some of the following benefits: Care coordination Cash benefits Home modifications Waiver of premium Mental illness coverage
Maximum Daily Benefit Limit
Varies by Provider
Elimination Period
30 Day Minimum

Financial Strength & Ratings

Financial Strength - 4.8 / 5

CLTC Insurance Services is not rated by A.M. Best, Standard and Poor's, or Moody's, mainly due to the fact they're an aggregator that pulls together quotes from their network of providers.

CLTC Insurance Services Reputation

Customer Service - 4.5 / 5

Though there is a distinct lack of information online regarding CLTC Insurance Services, the reviews we could find were generally positive.

The difficulty is compounded by the fact that the company doesn't mention the insurers within their network by name.
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
0
Date Collected
2017-12-06

Contact & Additional Information

Year Founded
1997
Homepage URL
http://californialongtermcare.com/
Company Phone
(800) 303-1527
Headquarters Address
1601 Bayshore Highway, Suite 205, Burlingame, CA, 94010

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Top Rated
Our Partner
  • Long term care solutions
  • Receive quotes from an ample selection of insurers
  • Find the plan that's best suited to your needs
  • Average premiums round out at $200 a month, but there are options for $100/month available.
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Best results for people ages 46-65

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