---
title: "Consumer Resources for LTC Insurance: Agents and the NAIC Buyer’s Guide"
description: A recent Wall Street Journal article highlights the guide's valuable information and the importance of guidance from insurance and financial professionals.
---

[NAIFA's Limited and Extended Care Planning Collective(LECP) ](https://lhc.naifa.org/lecpblog)

# [Consumer Resources for LTC Insurance: Agents and the NAIC Buyer’s Guide](https://lhc.naifa.org/lecpblog/consumer-resources-for-ltc-insurance-agents-and-the-naic-buyers-guide)

 Written by [NAIFA](https://lhc.naifa.org/lecpblog/author/naifa) | 2/8/21 2:45 PM

Most states require financial professionals to provide consumers with a copy of the [National Association of Insurance Commissioners](https://content.naic.org/) publication [“A Shopper’s Guide to Long-Term Care Insurance”](https://www.naic.org/documents/prod_serv_consumer_ltc_lp.pdf) before completing an LTC insurance sale.

The booklet covers a range of questions consumers should consider when making LTC decisions, including:

- How Much Does Long-Term Care Cost?
- How Might I Pay for Long-Term Care?
- Will I Need or Use Long-Term Care?
- What Types of Policies or Contracts Can I Buy that Provide Long-Term Care Benefits or Coverage?
- How Are Long-Term Care Benefits Paid?
- What Shopping Tips Should I Keep in Mind?

A recent [*Wall Street Journal* article](https://www.wsj.com/articles/long-term-care-insurance-first-you-should-find-an-agent-11612461600) (subscription required) by financial columnist Glenn Ruffenach discusses the importance of planning for long-term care and points to the Shopper’s Guide as a valuable resource. Ruffenach also identifies insurance and financial professionals as an important source of guidance for consumers. He says that “your best first step is *not* to shop for a carrier or policy. Rather, it’s to shop for a knowledgeable, independent agent.”

[View full post](https://lhc.naifa.org/lecpblog/consumer-resources-for-ltc-insurance-agents-and-the-naic-buyers-guide)

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