The California legislature requires the Insurance Commissioner to annually prepare a Consumer Rate Guide [1] for long-term care insuranceSpecific type of insurance policy designed to offer financial support to pay for necessary long-term care services., the types of benefits and policies you can buy, both as an individual and as a member of a group, information on what to consider before purchasing a policy and the premium rate history of each company that sells long-term careCare given to someone who can no longer perform activities of daily living. insurance in California.