People who are reasonably healthy and not afflicted with a terminal disease usually can obtain long-term care insurance coverage, but all companies have different underwriting guidelines. A minor health problem such as arthritis, for example, probably would not preclude you from being insured but it may put you in a higher rate class. Alzheimer's, for example, would preclude one from obtaining long-term care insurance, but if someone who already has a policy developed Alzheimer's disease, they would be able to collect benefits for the long-term care the Alzheimer's condition requires.

A New York Life Insurance Agent can quickly tell you whether or not you are likely to qualify for a New York Life Long-Term Care Insurance Policy. Click here to contact an agent.

New York Life Insurance Company

Please note: This Web site is for informational purposes only. You should contact your professional advisors for legal, tax or accounting advice.

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