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Long-Term Care Insurance

Personal and Financial Protection for the Long Term.

For most Americans, a traditional Life and Health Insurance package is enough to keep themselves and their families insured, but for many, additional coverage is required. At ISU Lovering Insurance Services, we offer extensive coverage options that can insure the care of those who need it most.

Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of Long-Term Care can be quite expensive, and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from ISU Lovering Insurance Services can protect your family’s financial future by providing valuable coverage benefits for costs associated with:

  • Home Care
  • Assisted Living
  • Adult Daycare
  • Hospice Care
  • Nursing Homes
  • Respite Care

Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with ISU Lovering Insurance Services to learn more about Long-Term Care Insurance and whether you should add it to your current policy.

Our Location

ISU Lovering Insurance Services

1121 Laurel Street
San Carlos, CA 94070
Main office: 650-362-8470
Fax: 650-593-7410
Fax: 650-228-5663

Our Providers

Testimonials

"I love working with ISU members because they are personable and professional."

"I love working with ISU members because they focus and appreciate quality first then price."

"I love working with ISU because the members I have met are polite, hard-working and dedicated to protecting their clients' best interests. ISU members are collectively the most professional, humble and straightforward group of agents I have had the pleasure of working with in my 18 years in insurance."

"I love working with ISU members because of the ease of doing business and the knowledge that many of the members are instilled with in regards to coverages, forms, etc."

"I love working with ISU members because they are all beautiful people. We started with very little premium and have built an empire! Our year-end 2010 So CA Select Accounts written premium totals $6,000,000. What’s not to love….! I consider so many of you friends not just business acquaintances. You are by far the most wonderful group of individuals I work with. And, you are all stuck with me for many more years because “I ain’t givin you up”!"

"I love working with ISU members because they are some of the best agents in the industry!"

"I love working with ISU members because they are very professional and provide complete submissions. If we need additional info they get it back promptly. They make our jobs easier. They have some pretty interesting accounts too!!"

"I love working with ISU members because ISU members work as hard for Travelers as we do for them. Whether it be a large account or a small account, ISU members are constantly thinking of how and what business they can place with or keep with us. The members are professional with a sense of humor, understanding of our appetite, eager to give us the first shot or last look on renewals. I look forward to working with my agents every day! I also love the sense of 'family' I have with the ISU members. I can't say enough about how much I love working with all of them!"

"I love working with ISU members because they are professional and knowledgeable."