The benefits that a long term care insurance company offers depend on whether you are in need of at-home services or whether you need to be taken care of at a nursing home. Based on your needs, you will get a long term care insurance quote that provides you with suitable benefits. Your age is a very important factor. The younger you are at the time of applying for the long term care insurance quote the lower the quote is going to be. It is also important to check that you are dealing with a suitable insurer.