LTC Insurance Providers: AXA Advisors LLC

AXA Advisors,LLC is a member of the global AXA Group, a worldwide leader in financial protection and wealth management. AXA Group's operations are diverse geographically with main operations in Western Europe, North America and the Asia/Pacific region and had over $1.3 trillion in client assets under management, as of December 31, 2005.

Thier affiliated U.S. operating companies include Alliance Capital Management and AXA Equitable Life Insurance Company. Over 6,000 AXA Advisors financial professionals practice in communities throughout the continental United States, Hawaii, Puerto Rico and the Virgin Islands, serving over three million individual and business clients.

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AXA Advisors Long Term Care Products

AXA Advisors can offer long term care coverage as part of an overall package with life and other types of insurance. Their agents can go over various options. Before you contact them find out what your options might be. Senior organizations can provide information on long-term care insurance. Insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force.

Commonly, long-term care policies are indemnity-type policies. That means that they pay a specific amount for a specific condition. Usually this is a fixed dollar amount for each day the insured person requires care or at home. The amount paid and the type of facility are all variables in the insurance policy. You can choose amounts ranging from $50 to more than $300 per day for nursing home care. Limits are imposed either on the number of days that are covered or until a specific dollar amount is reached. Policies are new required to carry an inflation adjustment option which can either automatically increase the annual benefit or allow the right to increase benefit levels periodically without proof of insurability.

Some policies require that you continue to make payments while you are receiving benefits and others have a waiver of premium payments when you are drawing on the long-term care benefit. Check if the policy you are considering will be renewable without a new proof of insurability. Also make sure there isn’t an age requirement.

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AXA Advisors Credit Ratings

Standard & Poor's: AA-
Moody's: Aa3
A.M. Best: A+
Fitch: AA

Long-Term-Care.org is not a long term care insurance broker or carrier, and we cannot issue insurance policies. This site provides free information on insurance providers and coverage options. We are not associated with the company or companies profiled on this page, and we make no representation, express or implied, that you will receive a quote from the specific company profiled herein. Products and policies may not be available in all states, and product and policy information is subject to change without notice. Please direct all insurance questions to your insurance company or broker.