If you wish to speak with a live representative call us at 1-877-822-0LTC(0582) Monday - Thursday 9AM-8PM, Friday 9AM-5PM CST   Look to the Future With Confidence and Peace of Mind. Growing older forces us all to make tough decisions. One crucial but easy decision that should be made is how you will plan your future care needs. Purchasing a dependable long-term care policy will enrich your life and the lives of your family members by helping you maintain your independence and financial security.   Attention couples! Has one spouse been declined for Long Term Care coverage? The Contingent Insured Rider may be your solution! This rider enables a spouse who otherwise would not qualify for benefits to be insured under the healthy spouse's policy. Benefits to the Contingent Insured Spouse are payable at the same level as the healthy spouse if and when both spouses meet the policy's benefit trigger. Compare monthly premiums for sample plan with $150 Daily Benefit and 5-Year Facility Benefit Period: † Guarantee Trust Life  Platinum Long-Term Care John Hancock Custom Care II Enhanced MetLife Value 2 (2009) Benefit Payout:   $334,450.00 $273,750.00 $273,750.00 Monthly Premium for Issue Age 55   $80.48 $103.57 $101.71 Monthly Premium for Issue Age 60   $102.45 $145.53 $145.69 Monthly Premium for Issue Age 65   $132.80 $220.35 $208.51 To request your free quote click here. Sample Iowa rates (as of 07/01/09) for Preferred Married risk class. Plans include the following benefits: $150 Daily Indemnity Benefit (Reimbursement Benefit for John Hancock); 100% Home Health Care; 5-Year Facility Benefit Period; 90-Day Elimination Period (100-Day for MetLife); Return of Premium Rider; Spousal Waiver of Premium and Survivorship Benefit; and Guaranteed Purchase Option Benefit (Not Included for John Hancock Because Not Available with Survivornship Benefit). Note: Guarantee Trust Life Includes Additional 2-Year Home Health Care Benefit and 1-Year Family Care Benefit (at $75 Daily Benefit Level).