I'm in agreement with Yankee & Kpbdy,
There are probably 10 companies in your state that sells LTC insurance. Each one offers a different policy, each one charges different premiums and each one looks at medical conditions differently as well.
Bankers uses Captive Agents to sell their policies. A captive agent represents and works for one company. That agent will visit with you, tell you about their policy and give you a quote.
What that agent will not do is to advise you that there may be 6 other companies with better policies and less expensive rates.
You need to sit with an independent agent who represents most of the companies in your state. You need to review your options. Premiums are only one part of the mix. You also need to look at the financial ratings and a company's history of rate increases as well.
This is an important decison for you and you need to do your due diligence.
You can visit the website of the American Association of LTC Insurance and search for an accredited agent in your area.www.AALTCI.org