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Choosing the right insurance company for your LTCi policy is a very important step, and there are several top quality companies that have proven track records in the field of long term care.

The truth is that every company has their own proprietary method of determining policy features, premiums, and health issue qualifications.

Some policies cost 10% - 50% more if you are taking blood pressure medications. Others don't.

Some policies are very strict about rating overweight folks. Others aren't so strict.

Some companies charge up to 35% more for someone who has used tobacco. Others are much more lenient in this area.

The point is that there is a great difference in LTCi policies from one company to the next, especially depending on your health history and habits. That is why it's best to find the company that is best for your particular situation and not to view LTCi as just a cookie-cutter commodity.

This is also why it is such a good idea to have a clear idea of what LTCi policy foundational features are most important to you BEFORE you go shopping, since you will be able to make a better "apples to apples" comparison between companies if you do.

You should also certainly look for a company that is rated very highly with regard to it's financial future. Most financially stable and healthy insurance companies will have at least an "A" rating by the major insurance ratings services such as A. M. Best, Standard & Poors, and others, and they would therefore be considered a solid candidate for your business.

Of course, having an insurance agent that is thoroughly knowledgeable in the field of long term care insurance is a real asset too. It is wise to look for those that have the CLTC designation which stands for "Certified in Long Term Care". They can help you find and select an insurance carrier that will best fit your needs because of the extra training and education they have received in this field.

Duane Lipham is a Certified Long Term Care(CLTC) consultant. You can get more free information, news and articles regarding long term care and aging at The Long Term Care Consumer Guide website and The Long Term Care Review Blog.