When comparing long-term care insurance, prioritize the insurer’s financial strength ratings from AM Best, Moody’s, or S&P, and confirm they are licensed in California. Compare policies on benefit amounts, covered care settings, elimination periods, inflation options, nonforfeiture benefits, and any limits on home care. Avoid relying on marketing materials or celebrity endorsements. Take full advantage of the policy’s free-look period — California law requires at least 30 days — to review the contract before committing.