The majority of the wording on an insurance policy is difficult to understand.  Long term care insurance is no different.  It is important that you do understand them, for you are paying for the possibility of future extended health care should the need arise and you do not want to ever-ever-ever hear the words "I'm sorry but this is not covered." 

A primary concern is what the policy's payout is.  You are not going to obtain long term care insurance for someone today and it go into effect tomorrow.  There is an understandable waiting period; which prevents someone from having a major medical crisis and immediately rushing out to buy a long term care insurance policy for immediate coverage. 

Since the payout for extended health care is tremendous, insurance companies do not work that way.  It is not unusual for the payout to be for 10 years or more.  All the more reason to consider long term care insurance earlier in life. 

Something to check into is the monthly rate of various options of extended health care and the amount the policy pays. 

Check also, to see how any increases (and there can be some) in the insurance rates are handled and what they are based on. 

You are looking for the most affordable long term care insurance quotes, but the dollar amount is not always the bottom line.  You want a policy that is going to cover the services that you are likely to need in extended care, which could be in-home care, a nursing home or some type of rehabilitation facility. 

Since there is nothing more constant than change it is important to determine how the policy handles medical care costs inflation.  Any health care is going to be far more expensive in 10 – 20 years than it is right now and you want your long term care insurance policy to reflect that and cover you should you need it!