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Insure My Life Right, LLC is an independent insurance agency. We represent multiple insurance companies. Each person, each family has a different need for their insurance coverage. Each insurance company has different specialties. Because we represent many carriers, we have more options with better


Short Term Care insurance

Short term care insurance is a form of Long Term Care Insurance.

It is designed to be a shorter term coverage period to go beyond what Medicare pays for and delaying when a long term care policy kicks into place.

Way’s a Short Term Care policy can be used is:

  • It is a great way to ladder long term care benefits. This will cover the time one is in a care facility when medicare runs out and you don’t want to start spending down on your liquid or other assets.
  • When one cannot afford the premiums of a long term care policy, a short term care policy is the only affordable option for many.
  • Underwriting Guidelines are much easier to qualify for compared to a long term care plan.
  • NO COGNITIVE INTERVIEW -?? Health Interview and Rx Check
  • Maximum issue age is 84 for short term care plans.

Some of the Benefits of a Short Term Care insurance policy are:

  • Provides Home Health Care for recovery time after surgery, chemo, etc.
  • Also covers a Nursing or Assisted Living, Hospice, or Adult Care Facility
  • Coverage Duration Choices: 120, 240 or 360 Days
  • Simplified Issue – No Exams
  • Premiums as low as $15 a month!

Short term care insurance Policies are available for individuals and couples.

How do I get Short Term Care Insurance?

Call us to let us help you get mortgage short term care insurance.