Revised LTCi Quotes for Ayozieuwa and Daniel S
Jesse Vickey
- 2 min read

Revised LTCi Quotes for Ayozieuwa and Daniel S

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Ayozieuwa and Daniel,

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


🔁 Revised quote

Based on your health details and your earlier preference for the Plus option, here’s my top recommendation for both of you. This policy includes 3% annual benefit growth to help your coverage keep pace with rising long-term care 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

Nationwide CareMatters Together (read our review) is one of the most popular policies on the market.

Option A:

  • Both of you would share six years of benefits — for example, 2 years + 4 years or 6 years + none.
  • You’d contribute a total of $90,000 (e.g., $750/month × 12 months × 10 years). If neither of you ever needed care, your kids would still receive $136,468 when you passed away — more than what you paid in.
  • Your benefits grow 3% per year to help keep pace with rising care costs. You can start benefits at any time.
  • For your $60,000 in payments, you could receive up to $803,848 in benefits if care began at age 80.
  • If care were needed, you’d receive benefits in cash (no reimbursements), so you could spend them however you’d like.

Option B:

  • The same as option A, but your benefits last for 8 years. You receive a lower annual maximum benefit but a higher total benefit.
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This policy offers two rate classes: Preferred and Standard. In your pre-screen, Nationwide replied that you may be eligible for Preferred, but it's not guaranteed. If you were rated Standard, your benefits would drop by about a third. We can discuss our options and strategy if you're interested in this policy.

If you'd like higher annual benefits, you can increase your premium—your benefits will rise proportionally (e.g., by 25%).

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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, let me know your thoughts and questions.

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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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