LTCi Quotes for Emily C

Emily,

Good news. Your long-term care (LTC) insurance quotes are ready.

👀 First-look quotes

Here are quotes for three policies with increasing monthly costs (I reviewed a few policies including Brighthouse and Lincoln). Each includes 3% annual benefit growth to keep pace with rising LTC costs. Coverage starts immediately and lasts for your lifetime. More than half of us will need care and if that time comes, your benefits will last for a set number of years. All policies cover home care, assisted living, memory care, nursing care, and more.

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Many policies let you spread payments over your lifetime for lower monthly costs, or pay in a shorter period (e.g., once or over 5 years) for lower total cost. We can review these options later. 👍🏻

🧐 My notes

Based on your feedback of 'No' to longer coverage for memory-care and 'Yes' to a refund, I’ve shown the following options.

Base: A simple, no-refund option with a short benefit length and lifetime payments. It’s your most budget-friendly policy included for comparison.
Plus: Offers the same benefit length, includes a refund of your premiums to your family if you never need care, and is paid off over 10 years.
Cadillac: You didn’t request this one, but I included it for comparison. It provides longer-lasting benefits, ideal for extended care needs like Alzheimer’s.

I shared these three policies to give you a rough sense of what’s possible at different price points—with and without a refund and at varying benefit lengths. Think of this as a starting point to help narrow your target. From here, we can fine-tune your options in the next round of quotes.

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Got questions or just starting out? Let's talk. I'm Jesse (you’ll see me in the video below). No pressure, no commitment. Just happy to help. Grab a 15-min call.

📈 Graph of benefits

This graph shows your projected benefits and LTC costs in District of Columbia when you turn 80, though your benefits can begin whenever care is needed. On average, men need care for 2.2 years and women for 3.7 years, but Alzheimer’s and other memory care can extend beyond 8 years. For more detail, click any line.

Long-term care costs
Assisted-living in District of Columbia is projected to cost $444,000/year when you turn 80 (assuming 4% annual growth). But your policy doesn't have to cover everything. Assisted-living already includes housing and meals, and any steady income, like Social Security, can bridge the gap that your policy doesn't cover. The goal for most people is meaningful coverage, not paying every dollar.

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

⬆️ ⬇️ If you’d like higher or lower benefits, we can adjust your premium, benefit length, or payment schedule. Just let me know your goals.

👉🏻 Next steps

Once you've reviewed your options, just reply to my email or text with the one that feels closest—"Base", "Plus", or "Cadillac"—and any comments you'd like to add. I’ll then fine-tune your quotes with more specifics to match your budget, with zero commitment.

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Ask about tax perks if you own a business, annuity, or life insurance.

📺 Still learning?

Watch this short "unboring" video on the three biggest reasons to get LTC insurance from our popular blog. That's me in the video.

Thanks,
Jesse

Jesse Vickey at Long Term What?
Schedule a call or 720-263-2188
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