LTCi Quotes for Saneika D
Jesse Vickey
- 2 min read

LTCi Quotes for Saneika D

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Saneika,

Thanks for speaking with me today. Your long-term care (LTC) insurance quotes are ready.


🔁 LTC quotes

I've provided two quotes, each with 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

These two quotes give you a good comparison of policy options.

Option A: You pay premiums for life, and benefits (which may increase over time) are reimbursed when care is provided by a licensed professional. See the Mutual of Omaha review.

Option B: You pay premiums for only ten years, and benefits are paid in cash so you can pay anyone for care. If you never use the benefits, your heirs receive a refund. See the Nationwide CareMatters review.

Assisted-living in New Jersey is projected to cost $576,000/year by age 80 (assuming 4% annual growth). Your options provide lower annual benefits than this projection, but you can bridge the gap using personal savings and Social Security. The goal for most people is meaningful coverage, not paying every dollar.

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 New Jersey and elsewhere.


👉🏻 Next steps

Once you've reviewed your options, just reply to my email or text with feedback.

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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 "unboring" video on qualifying for 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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