Who Can Get Long Term Care Insurance? 
Anyone can apply to get long term insurance , however there is underwriting involved . Unlike with life insurance , where the insurance companies figures out how long before you die . With LTC insurance , the insurance company figures out how long you will live . Underwriting can be difficult to pass if you have a history of health problems . Many Annuities now come with Long Term Care riders , in the event you need to go into a nursing home , where the account value doubles , or triples . Also a new type of life insurance policy allows an accelerated death benefit , in the event you have a critical illness , or need to go into a nursing home . This policy allows you to take part of your death benefit , while leaving something to your beneficiaries . 