The details of a long term care insurance policy will differ from one insurer to another. However, there are features that you'll do well to ensure are included before you buy. Here are some...

1) Is there any feature that ensures your benefits are protected against inflation or possible increase in the cost of long term care? Make sure they have one and that the terms are acceptable to you.

An example of such a feature is an inflation adjustment feature which guarantees that the benefits a policy holder gets years later reflect the cost of long term care at the time.

2) Make sure your insurer offers guaranteed renewal with the purchase of the policy. People sometimes grow so old or have mental deterioration that make insurers refuse to renew their policy. With this feature no insurer can do that to you.

3) Make sure it has a non-forfeiture benefit. This guarantees you get paid a reasonable part of your benefit if you let your policy lapse unintentionally or decide to cancel the policy.

You can reduce your long term care insurance costs by obtaining and comparing quotes from good quotes sites. Using a minimum of three quotes sites increase the chances that you'd realize more savings. I advise that you use a minimum of three quotes sites because that will ensure you do not miss out better long term care insurance quotes not carried by one or two sites. This gives you a broader basis for doing more extensive comparisons thus increasing your chances of getting better quotes.