Revised LTCi Quotes for Denise L
Jesse Vickey
- 2 min read

Revised LTCi Quotes for Denise L

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Denise,

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


🔁 Revised quotes

I've provided three quotes with monthly premiums around $600. Each one includes 3% annual growth to help your benefits keep pace with rising LTC costs.

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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. Want to adjust your coverage? We can raise or lower the premium—your benefits will scale accordingly.



🧐 My notes

I wanted to show you three very different options at $600 per month:

  • Option A: High annual benefits for 3 years, plus a refund if you never need care.
  • Option B: Lower annual benefits for 7 years, but a high overall benefit maximum and a refund if you never use it.
  • Option C: The highest benefits over 5 years, but payments continue for life and there’s no refund.

For options A and B, your heirs would receive more than your total premiums of $72,000 ($600 × 12 × 10) if you never needed care. Nationwide CareMatters also pays benefits in cash (no reimbursements with receipts).

Given your family history of dementia, I’d lean toward Option B for the high maximum benefits, the 10-year payment limit, and the refund protection.

If you’d like larger benefits, you can increase your premium—your coverage would rise proportionally (for example, about 25% more benefits for a 25% higher premium).

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


👉🏻 Next steps

Once you've reviewed your options, just reply to my email or text with the one that feels closest—A, B, or C and I'll email the policy documents to you (no commitment).

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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.

📺 Still learning?

Watch our 7-minute "unboring" video on the features of LTC insurance. 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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