Who To Buy Long Term Care Insurance From? 
It is a good idea to buy Long Term Care Insurance from a broker that carries multiple companies , or an agency that uses an LTCI broker -LRB- like ours does -RRB- . That way you can be sure you are getting the most competitive rate , and will have the expertise of an agent that knows what you will qualify for . They can also guide you to the most important features , so that you can get the ones you need but not overspend for options that do not add much value . 