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Long Term Care Insurance

The cost of care

The cost of long-term care can be expensive depending on:

  • the type of care you need
  • how long you need it
  • where care is received

The national average costs listed below are only for one year of care. A study by the Center for Retirement Research found that in most cases, care is needed for three years1 — while some individuals need care for a considerably longer period. When planning ahead, you’ll also want to take into account the rising cost of care, which on average has risen approximately 3.3%2 per year over the past six years.

In 2008, the national average cost of long-term care for one year in various settings:

In 30 years, long-term care is projected to cost over $250,000 per year. That’s $750,000 to $1,250,000 for a three-to five-year care event.3

Click here to find the average cost of care in your area.

1 Center for Retirement Research at Boston College, "How Can We Improve Long-Term Care Financing," June 2008.

2 John Hancock 2008 Cost of Care Survey, conducted by CareScout.

3 Based on the average annual rate of inflation over the past 30 years ending December 31, 2008 of 4.1%, using the Consumer Price Index for All Urban Consumers, Bureau of Labor Statistics, www.bls.gov.

Who needs protection?

Most families benefit from the protection that a long-term care insurance policy can buy. It is one of the most cost-effective ways to help protect you and your family from the high cost of long-term care. It enables you to help secure your savings and your family’s future.

The right time to buy

When it comes to long-term care planning, there are two important reasons to address your future needs sooner rather than later:

The cost of long-term care insurance is primarily based on your age and health when you apply. Therefore, the younger and healthier you are, the more affordable your insurance policy will be.
The coverage a person buys for their future can also help protect them today. If an accident or illness were to occur when you were relatively young, which required you to need long-term care, owning a long-term care insurance policy would ensure you have coverage to help pay for the cost of care.

Call for more information on your Long Term Care Insurance Needs!

Long Term Care products are not underwritten by American National Insurance Company.





American National Insurance Company

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company, Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (Texas), and ANPAC Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois or Principal Life Insurance Company, Des Moines, IA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.


Osby Insurance operates exclusively in the State of Iowa


Copyright © 2014 Osby Insurance and Some Assembly Required.
All rights reserved.

Greg Osby

Greg Osby, CLU, ChFC
2400 86th St. Suite 29
Des Moines, IA 50322
(515) 727-5433 - ph
(515) 727-5199 - fax

Serving the Greater Des Moines area in Iowa including:

Des Moines, Urbandale, Clive, Windsor Heights, West Des Moines, Ankeny, Norwalk, Waukee, Granger & Johnston, Iowa

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