---
title: How to make LTC insurance more affordable - the 3 biggest factors
description: With the higher prices, what are the three factors that can help save premium?
---

## The Advisor's View of Long-Term Care Planning

- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
- [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews)
- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
- [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc)
- [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners)

- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
- [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews)
- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
- [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc)
- [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners)

[Jun 3, 2026

### 6 Tax-Smart Strategies to Fund a Long-Term Care Insurance Policy

](https://www.ltcipartners.com/blog/6-tax-smart-strategies-to-fund-a-long-term-care-insurance-policy)

## Never miss any update

Subscribe to the Advisor's View of Long-Term Care Planning newsletter today to receive updates on the latest news from our carriers.

Your privacy is important to us. We have developed a [Privacy Policy](https://www.ltcipartners.com/ltci-partners-privacy-policy) that covers how we collect, use, disclose, transfer, and store your information. 

Nov 5, 2013 • [LTCI Partners](https://www.ltcipartners.com/blog/author/ltci-partners)

## How to make LTC insurance more affordable - the 3 biggest factors

- [Advice articles about planning](https://www.ltcipartners.com/blog/topic/advice-articles-about-planning)

- [Tweet](https://twitter.com/share)

For those who are shopping for LTC insurance, they know first year premiums are substantially higher than they were two years ago.  The reason - updated actuarial assumptions assuming lower interest rates, lower lapse rates and higher morbidity.

With the higher prices, what are the three factors that can help save premium?

1) **Buy as a couple** - there are significant discounts for couple purchases.  Couples tend to delay the need for accessing benefits as they care for each other.

2)** Buy young and healthy** - Discounts for good health are significant.

3) **Choose "buy as you go" inflation protection.  **Automatic inflation protection is extremely expensive.  Instead, consider the flexibility of guaranteed future purchase options instead.

Here's a recent Kiplinger's article about the factors.

[Check out Kiplinger's Article on "right-sizing" LTC Insurance](http://www.kiplinger.com/article/insurance/T036-C000-S002-make-long-term-care-more-affordable.html)

## Written by [LTCI Partners](https://www.ltcipartners.com/blog/author/ltci-partners)

```json
{
  "@context" : "https://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "LTCI Partners",
    "url" : "https://www.ltcipartners.com/blog/author/ltci-partners"
  },
  "datePublished" : "2013-11-05T16:16:00.000Z",
  "headline" : "How to make LTC insurance more affordable - the 3 biggest factors",
  "mainEntityOfPage" : {
    "@id" : "https://www.ltcipartners.com/blog/how-to-make-ltc-insurance-more-affordable-the-3-biggest",
    "@type" : "WebPage"
  },
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "url" : "https://www.ltcipartners.com/hs-fs/hub/405630/file-1004497223.png"
    },
    "name" : "LTCI Partners, LLC"
  }
}
```