Long-term care coverage that holds up when you need it.
Funding LTC Marketplace helps you compare traditional, hybrid, and annuity-based long-term care insurance side by side — so the policy you choose still meets or exceeds your expectations decades from now, at the moment you actually use it.
Three ways to fund long-term care — compared honestly.
Every family's situation is different. These are the three private-insurance pillars our marketplace specializes in matching to your age, health, and goals.
Start with the official buyer's guide.
NAIC Long-Term Care Insurance Buyer's Guide
The official A Shopper's Guide to Long-Term Care Insurance from the National Association of Insurance Commissioners — the same consumer guide most states require an insurance company or agent to give you before you apply.
It explains what long-term care is and who needs it, how policy benefits are triggered and paid, what coverage typically costs, hybrid life and annuity options, tax treatment and state Partnership programs, plus shopping tips, comparison worksheets, and contact information for every state insurance department.
Published by the National Association of Insurance Commissioners. Reproduced for consumer education; NAIC is not affiliated with and does not endorse Funding LTC Marketplace.
Traditional LTC Insurance
Medically underwritten coverage that pays a daily or monthly benefit once you need help with daily activities.
- Lower premiums for the coverage amount
- Inflation-growth riders available
- Best for healthy applicants 45-65
Hybrid Life / LTC
A single-premium or limited-pay life policy with an LTC rider — if care is never needed, the death benefit still passes to your family.
- Benefit paid even if care is never needed
- Simplified underwriting options
- Popular for legacy-minded couples
LTC Annuities
A deferred annuity with a long-term-care benefit multiplier, often funded from an existing qualified account.
- Simplified or no health underwriting
- Multiplies existing savings for care
- Good fit for declined-health applicants
Three steps to a policy that still fits when you need it.
Tell us where you're starting from
A short, no-obligation questionnaire on your age, health, budget, and goals — about four minutes, no sales pitch.
We match you to real, ratable carriers
Your results are matched against the traditional, hybrid, and annuity-based carriers that actually underwrite your profile.
Talk to a licensed insurance professional, not a call center
A licensed insurance professional — working under 45+ years of Central States Insurance Services experience — walks you through the side-by-side comparison.
"To promote and sell long-term care insurance that will meet or exceed expectations at the time of utilization."
A personal message from George Mellendorf on what "meet or exceed expectations" means for your policy.
Read video transcript
You should know my mission statement is simple and to the point. It's to promote and sell long-term care insurance that will meet or exceed expectations at the time of utilization. Isn't that what you would want as a client or as an insurance professional for your clients? Contact us today and let us help you.
Get a free, no-obligation quote comparison.
Answer a few quick questions and a licensed insurance professional will follow up with a side-by-side comparison built around your age, health, and budget — never a generic rate sheet.
- No spam, no obligation
- Response within 1 business day
- Licensed insurance professionals only
Request received.
A licensed insurance professional will follow up within one business day with your comparison — no pitch, no pressure.
Questions families ask before comparing coverage.
Is Funding LTC Marketplace an insurance carrier?
No. We're a marketplace and advisory service operated by Central States Insurance Services, Inc. We match you to carriers and coverage types that fit your profile — we don't underwrite policies ourselves.
Does requesting a quote cost anything?
No. Comparisons and consultations with an insurance professional are always free and come with no obligation to purchase.
How is this different from FundingDependency.com?
FundingDependency.com is our sister educational project, mapping all ten ways families fund long-term care. Funding LTC Marketplace is where you come once you've decided private LTC insurance is part of your plan and want real quotes.
Who reviews the coverage matches?
Every match is built on underwriting guidelines reviewed by George A. Mellendorf, CLTC & LTCP designee with 45+ years in long-term care insurance.