Buying long term care insurance after 70 is harder but far from impossible. Here is what your real options look like.
What options exist after age 70?
Traditional long term care insurance becomes more expensive and harder to qualify for after 70, but other doors stay open. Hybrid policies that combine life insurance with care benefits often have more flexible underwriting, asset-based plans let you reposition savings into guaranteed coverage, and short-term care insurance offers easier approval for shorter needs. The best path depends heavily on your health and finances. Because approval odds and pricing swing widely by carrier at this age, comparing several is essential. A 1-800-MEDIGAP advisor knows which companies are most welcoming to applicants over 70 and can match you accordingly.
How to improve your approval odds over 70
At this age, the right strategy is targeting carriers that are lenient on your specific health profile rather than applying broadly and risking declines. Being honest about your medications and conditions upfront helps an advisor steer you to the best-fit insurer. Considering hybrid, asset-based, or short-term care products can also widen your approval chances when traditional coverage is out of reach. Even partial coverage can protect meaningful savings. The fastest way to find a yes is expert guidance. Call 1-800-633-4427 and a 1-800-MEDIGAP advisor will identify your strongest options.