---
title: Now’s the Time to Buy a Long-Term Care Policy
---

# Now’s the Time to Buy a Long-Term Care Policy

* * *

## Now’s the Time to Buy a Long-Term Care Policy

Have you thought about what would happen to you if you either needed to enter a nursing home or required home care services?

As nursing care costs continue to rise and the need for care increases, there is never a better time to purchase a [long-term care insurance](/long-term-care-insurance "More Information about Long Term Care") policy.

A long-term care policy is one of the best ways to protect your financial assets, so you can leave your inheritance to your surviving family members. Without long-term care insurance, the savings that you worked so hard to accumulate can be wiped out in a matter of years. According to the 2012-3013 LTCi Sourcebook, the average national cost for a private nursing care room was $85,045 per year!

Long-term care policies can be structured to fit your individual needs and offer the following:

- Nursing care, community care or home care options
- Waiting periods of 30, 60 or 90 days
- Benefit periods of 2, 4, 6 or 10 years
- Spousal discount
- Preferred health discount
- Built-in waiver of premium benefit
- Option to purchase 3% or 5% benefit increase rider

Purchasing a [long-term care policy](/insurance-quote?p=long_term_care "Get a Long Term Care Insurance Quote") will give you peace of mind knowing your inheritance and your loved ones will be protected.

If you have questions on long-term care insurance in Georgia or you would like to talk about structuring a policy that suits your needs, call us today at (770) 339-0447!

## Insurance Quotes

Give us some info and we'll help you find the best coverage options.

[Request a Quote](/quotes)

## Insurance Partners

[Trusted Choice — Anthem — Assurant — Cigna — Humana — Openly — Prudential — RLI — Symetra — Auto Owners — Foremost Insurance — Hagerty — Kemper — Liberty Mutual — Progressive — Travelers](/insurance-companies)

## From Our Blog

[Is an Electric Car Right for You?](/blog/2026/is-an-electric-car-right-for-you)

[Six Tips to Minimize Risk of Extreme Weather on Your Business](/blog/2026/six-tips-to-minimize-risk-of-extreme-weather-on-your-business)

[What to Consider Before Installing a Home EV Charger](/blog/2026/what-to-consider-before-installing-a-home-ev-charger)

## Share This

- [Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.cowartinsurance.com%2Fblog%2F2015%2Fnows-the-time-to-buy-a-long-term-care-policy.md)
- [Twitter](https://twitter.com/share?url=https%3A%2F%2Fwww.cowartinsurance.com%2Fblog%2F2015%2Fnows-the-time-to-buy-a-long-term-care-policy.md&text=Now%E2%80%99s+the+Time+to+Buy+a+Long-Term+Care+Policy)
- [LinkedIn](https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fwww.cowartinsurance.com%2Fblog%2F2015%2Fnows-the-time-to-buy-a-long-term-care-policy.md&title=Now%E2%80%99s+the+Time+to+Buy+a+Long-Term+Care+Policy)
- [Email](mailto:?subject=Now%E2%80%99s+the+Time+to+Buy+a+Long-Term+Care+Policy&body=Thought+you+might+be+interested...%0A%0ANow%E2%80%99s+the+Time+to+Buy+a+Long-Term+Care+Policy%0Ahttps%3A%2F%2Fwww.cowartinsurance.com%2Fblog%2F2015%2Fnows-the-time-to-buy-a-long-term-care-policy.md)

```json
{"@context":"https://schema.org","@graph":[{"@type":"BlogPosting","@id":"https://www.cowartinsurance.com/blog/2015/nows-the-time-to-buy-a-long-term-care-policy#blogposting","url":"https://www.cowartinsurance.com/blog/2015/nows-the-time-to-buy-a-long-term-care-policy","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.cowartinsurance.com/blog/2015/nows-the-time-to-buy-a-long-term-care-policy#webpage"},"headline":"Now’s the Time to Buy a Long-Term Care Policy","datePublished":"2015-02-17T20:01:58Z","dateModified":"2025-10-10T15:38:18Z","author":{"@type":"Organization","@id":"https://www.cowartinsurance.com/#organization","name":"Cowart Insurance Agency"},"publisher":{"@type":"Organization","@id":"https://www.cowartinsurance.com/#organization","name":"Cowart Insurance Agency"}},{"@type":"Organization","@id":"https://www.cowartinsurance.com/#organization","url":"https://www.cowartinsurance.com/","name":"Cowart Insurance Agency"},{"@type":"WebPage","@id":"https://www.cowartinsurance.com/#webpage","url":"https://www.cowartinsurance.com/","name":"Now’s the Time to Buy a Long-Term Care Policy"},{"@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"/blog","name":"Blog"}},{"@type":"ListItem","position":2,"item":{"@id":"/blog/2015/nows-the-time-to-buy-a-long-term-care-policy","name":"Now’s the Time to Buy a Long-Term Care Policy"}}]}]}
```