NJ Long Term Care Insurance Features

In choosing a long term care insurance policy you should look
for the features listed below.

Stable Premiums: Premiums that will not be influenced by any change in
your age or health, and will not change during the life of the policy.
Insurance companies do reserve the right to change rates on a statewide
basis.

Guaranteed Renewable: The insurance company can't cancel the long
term care insurance policy unless you fail to pay the premium.

Covers Mental Conditions: Covers mental and nervous conditions due
to any organic brain disease, including Alzheimer's Disease.

Exclusions: Exclusions should be minimal and should not adversely
affect your stated insurance protection goals.

No Pre-Existing Conditions: All previous medical history admitted on
the long term care insurance application and is approved for a policy, is
of no consequence in the future.

A long term care insurance specialist with New Penn Insurance
Associates will assist you in deciding which type of policy will work best
for your needs.

Waiver of Premium: The insurance company allows you to stop
paying premiums once you've begun receiving benefits. There can be
waiting periods of up to 90 days before this waiver takes effect, and it
may not be available when home health care is purchased.

Click on the link below to fill out a quote request form for a New Jersey
long term care insurance policy that provides excellent health insurance
coverage and services at an affordable cost. Or speak with one of our
Personal Insurance Agent specialists at 609-466-5300 to discuss the
features.

**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.