LTC Consumer is an independent, free online service to help consumers understand what long term care insurance is, how it works, and how to evaluate coverage options. The site features the first free, real time cost calculator that allows consumers to shop the top carriers in their state and see how much a policy costs without having to give any personal information or speak with an agent. Our mission is to provide an educational, innovative, no-pressure resource for learning about long term care planning, with the opportunity to speak with our team of specialists who can help if needed.