LTCi Quotes for Richard and Gail J

Richard and Gail,

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

👀 First-look quotes

Here are quotes for three policies with increasing monthly costs. 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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These premiums are an initial draft that can be adjusted higher or lower as needed.

🧐 My notes

Think of these quotes as a starting point we can adjust and refine together.

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

Base: A simple, no-refund option with a short benefit length (3 years) and lifetime payments. It’s your most budget-friendly policy included for comparison.
Plus: Similar to Base, but it offers a longer benefit length (8 years)—designed for extended care like Alzheimer’s.
Cadillac: You didn’t request a (small) refund, but I've included it for comparison. It offers lifetime benefits and is paid off over 5 years (lifetime payment isn't offered).

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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 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 California is projected to cost $103,000/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 California 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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