Revised LTCi Quotes for Hiroko W
Jesse Vickey
- 2 min read

Revised LTCi Quotes for Hiroko W

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Hiroko,

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


🔁 Revised quotes

I’ve provided three quotes with the same cost of $1,700 per month for 10 years, each including a refund to your daughter if the benefits are never used. I selected this premium level to provide meaningful coverage for long-term care costs in New Jersey. Each quote also includes 3% annual growth to help the benefits 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

The three options I shared are among the most popular in the market.

Options A and B: Both Nationwide policies provide either 4 years or 6 years of benefits. Longer benefit periods result in lower annual benefits but higher total benefits. These policies pay benefits as cash, which means there are no reimbursement requirements and greater flexibility to pay informal caregivers. Read the review.

Option C: OneAmerica Asset Care is widely regarded as the gold standard in long-term care coverage because it offers lifetime benefits. I purchased this policy myself. Benefits under this policy are paid on a reimbursement basis. Read the review.

Assisted-living in New Jersey is projected to cost $152,000/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

If any of these policies look appealing, please schedule time on my calendar so we can review the options together and address any questions you may have.

📺 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?
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