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Long term care insurance policies are certainly considered sound investments for those who wish to retain their independence even in their old age. For this kind of insurance policy, the state of North Carolina requires that pre-existing conditions must be covered after a period of six months. There are also other requirements imposed by the state for this kind of insurance products, such as offering inflation protection to consumers, policies must also have a guarantee of being renewed and must also be offered portability. In addition, no long term care insurance policy must be purchased under illegal or suspicious means, such as by undue coercion, high pressure tactics, and through deceptive advertising practices.

This type of insurance product must also have a free-look period of up to 30 days from receipt. Within this time period, a policyholder may return the policy and ask for refund. The state also imposes that coverage for brain diseases and serious mental illnesses due to biological causes.