How Much Is Long Term Care Insurance? 
Your personal information will be underwritten generating an offer or declination from the insurance company . Your gender , age , smoking status , health history and current health condition all contribute to your offer . After the insurance company 's offer , you 'll need to assess if the premium is affordable or not . A non smoking , male age 60 with standard health may pay $ 300 a month for full coverage with an inflation rider . 