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LTC Rider Long Term Care Insurance Review


ConsumersAdvocate.org Rating: 4.8 / 5 (Excellent)
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LTC Rider is an online-based marketplace for insurance policies that offers long-term care riders. The company is headquartered in Westlake Village, California, and offers consumers quotes from John Hancock Life Insurance Company, which is one of the nation’s top insurance providers.
 
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How is LTC Rider rated?

Breakdown

5.0/5
Benefit Limits
4.8/5
Policies & Coverage
4.6/5
Customer Service

Overall Rating: 4.8 / 5 (Excellent)

LTC Rider allows consumers to get a free online quote for life insurance policies with a long-term care rider offered by one of America’s most trusted insurance providers, the John Hancock Life Insurance Company. The company’s website is easy to use, and consumers can get an instant quote within a few seconds by providing details such as their name, gender, and brief health history. Once this information is submitted, consumers receive a quote with details about their plan like premium duration, benefits, and available programs and discounts. One of the perks of using LTC Rider, is that consumers can also apply for life insurance policies through the company’s website. Additionally, LTC Rider offers customer support via email and over the phone, in case additional assistance is required. However, since the company is fairly new, consumer reviews are hard to find through different outlets, so we encourage consumers to do additional research before purchasing any products.

Policies & Coverage

Policies & Coverage - 4.8 / 5

LTC Rider currently offers consumers life insurance policies through John Hancock. John Hancock’s Universal Life Insurance offers a variety of policies, including individual policies, and tax-qualified policies, among others. The Universal Life Insurance also includes a long-term care rider, which offers coverage for things like adult day care, home health care services (including hospice, respite and homemaker services), and residential care facilities. Additionally, consumers who register for the company’s Vitality program, may qualify for additional discounts on their premium payments by participating on healthy activities like exercising, eating well or getting annual check-ups.
Policy Types
Individual / Standard
Hybrid Life and Long Term Care
Group
Tax Qualified
Types of Covered Care
In-Home Care
Assisted Living / Adult Day Care
Nursing Home
Hospice Care
Medical Help Systems
Facility Coverage
Any Facility
Available Policy Riders
Return of Premium
Available Discounts
Preferred Health

Claims & Benefits

Benefit Limits - 5 / 5

Since LTC Rider is not the underwriter, all claims and benefits depend on what John Hancock’s policies offer. Consumers may file a claim online or over the phone, and some benefits may require a physician letter of certification, among other things in order to qualify. Additionally, John Hancock offers consumers a death benefit as part of the company’s life insurance policy, and the company’s maximum monthly benefit for its long-term care rider is calculated by multiplying the death benefit at the time of the claim times 4%.
Maximum Daily Benefit Limit
Varies depending on the selected policy.
Unlimited Lifetime Benefit Period?
No
Elimination Period
Elimination period for the long-term care rider is 100 days.
Eligibility Requirements
Activities of Daily Living Limitations
Physician Certification / Letter
Alzheimer's or Cognitive Impairment

Financial Strength & Ratings

Financial Strength - 4.8 / 5

LTC Rider is a company that helps consumers get quotes and apply for life insurance policies with a long-term care rider provided by John Hancock Life Insurance Company. John Hancock is one of the industry’s most trustworthy providers, with excellent AA-, A1, and A+ ratings on Standard & Poor’s, Moody’s, and A.M. Best, respectively, which means that the company has a stable financial outlook overall.
Moody's Financial Rating
A1
AM Best Financial Rating
A+
Standard & Poor's Financial Rating
AA-
*The above information reflects the financials strength of one of the partner long term care insurance companies that this marketplace offers policies through: John Hancock.

LTC Rider Reputation

Customer Service - 4.6 / 5

LTC Rider is a relatively new company, and therefore, it doesn’t have a TrustPilot score or a BBB rating, and consumer reviews about the company are hard to find online. However, the company offers life insurance policies with a long-term care rider provided by John Hancock Life Insurance Company, which is one of the industry’s top providers, with over 150 years of experience.

LTC Rider offers customer support via email and over the phone, though operating business hours are not specified on the company’s website, so we encourage consumers to do additional research before purchasing any products.
Date Collected
2018-12-11

Contact & Additional Information

Company Type
Marketplace
Homepage URL
https://www.ltc-rider.com/
Company Phone
(805) 413-7562
Headquarters Address
310 N. Westlake Blvd., Suite 240, Westlake Village, CA, 91362

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