The younger you are when you purchase an LTCI policy, the more you need automatic compounded inflation protection. If you are looking to save money on premiums, and you are 70 or older at the time of purchase, you could scale back. Individual vs. group policy. The policy prices shown in the table do not reflect the discounts that many companies offer for good health and spousal discounts. These can save you significant amounts of money.
Travelers does notoffer a premium break for good health.
If I'm working with a married couple in excellent health, I'd probably look at Travelers first. In the case of a healthy single individual, CNA might be his or her first choice. Morith says she looks to companies with the most lenient underwriting guidelines. Wetmore says obtaining a policy may also depend on the type of health condition. CNA is fairly liberal with its preferred health criteria because it will consider someone who has controlled high blood pressure or high cholesterol.