Part of our guide: Long-Term Care Insurance: Costs, Options and Planning →
Many clients assume long-term care coverage is unaffordable. In reality, a policy is only as expensive as its design, and a few strategies, especially for couples, can make a big difference.
Key takeaways
- Some carriers offer couples discounts of 20–30%, and at least one up to 40%, when both spouses apply and are approved.
- An asymmetrical design gives one spouse a richer benefit and the other a smaller one, while keeping the couples discount.
- Buying between ages 45 and 60 means lower premiums and a better chance of preferred health discounts.
A couples discount of 20–40% can make coverage for two cost far less than two separate policies.
Couples discounts
Many carriers discount premiums when spouses or partners apply together and both are approved: typically 20–30%, and up to 40% at one carrier, compared with little or no discount for a married person applying alone.
Asymmetrical case design
When a couple can’t afford two rich policies, or one spouse wants coverage more than the other, give one spouse a fuller benefit and the other a smaller “token” benefit. Both usually still qualify for the couples discount, and the total premium drops significantly. Joint policies are another option; see joint life LTC for couples.
Use age and health
The ideal planning window is roughly 45 to 60. Younger applicants pay less and are more likely to qualify for preferred health discounts. See the cost of waiting.
Some protection beats none
Coverage doesn’t have to be all-or-nothing. A pool of benefits, even a modest one, hedges the risk. More levers in five ways to make LTC more affordable.
Frequently asked questions
Do couples get a discount on long-term care insurance?
Often, yes. Discounts of 20–30% are common, and some carriers offer up to 40% when both are approved.
What is an asymmetrical LTC design?
Giving each spouse different benefit levels, often a richer benefit for one and a smaller one for the other, to control cost.
What is the best age to buy long-term care insurance?
Roughly 45 to 60, when premiums are lower and qualifying is easier.
Reviewed by Tim Fuller on 2026-09-25
Tim Fuller
President, SRS Inc.
Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.
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