LTCi Quotes for Erin

Erin,

Your long-term care insurance quotes are ready.

First, please watch this short video I made for you:

 

 

🔎 Your quotes

I've provided quotes with the same initial benefit to make an apples-to-apples comparison.

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Should you shop around? You can—but your quotes will be the same everywhere. Long-term care insurance prices are set by the insurance companies, not by brokers. We offer all the top policies and help you find the best fit.

 

 

🧐 My notes

These choices use the same starting monthly benefit but take different approaches to coverage. All premiums are guaranteed to never increase.

Option A: Nationwide CareMatters II has the lowest premiums of these three hybrids and pays benefits in cash. Its three-year benefit period is the shortest.

Below are alternative annual payment schedules. “5-pay” means five annual payments. Monthly payments are typically slightly more than one-twelfth of the annual amount.


Option B: Securian SecureCare IV extends coverage to six years and offers a larger initial benefit pool than Option A. Its premiums are scheduled for 20 years, and benefits are paid in cash.


Option C: OneAmerica Asset Care provides lifetime benefits with no total benefit cap, at the highest estimated monthly cost of the three. It generally reimburses care costs, with a 75% cash indemnity option for the first two years.


Compare these benefits with projected care costs and the personal savings or other income you would want to use toward care.

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Cost tool → Compare current and projected costs for home care, assisted living, and more in Delaware and elsewhere.

You can also adjust the benefit amount to fit your budget. For example, reducing the premium by 25% would generally reduce the benefits proportionally.

 

 

👉🏻 Next steps

Reply to my email or text with feedback or schedule time on my calendar to review these options together.

Once you complete your PT, complete this longer health pre-screen form (10 minutes) for more clarity on your options. I’ll share your answers with insurers without your name attached to get informal feedback. This helps identify which policy is the best fit and avoids the risk of a formal decline.

Thanks,
Jesse

P.S. Still learning? See our popular blog or YouTube channel.