Revised LTCi Quotes for Tom G
Jesse Vickey
- 2 min read

Revised LTCi Quotes for Tom G

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Tom,

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


🔁 Revised quotes

I’ve included three quotes starting at $300/day in benefits, with a 3% annual increase designed 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

Both options are similarly priced, come from highly rated insurers, and would return $216,000 to Andrew or another designated heir if long-term care benefits are never used. These are among the most popular policies currently available on the market. The key differences are outlined below.

Option A – Nationwide CareMatters
Pays benefits in cash, offering greater flexibility. Benefits are available for up to six years and the initial 90-day waiting period is paid retroactively on day 91. Payment options are outlined below. Read the review.

Option B – OneAmerica
Primarily pays benefits as reimbursement, with up to 75% available as cash during the first two years. Benefits last for your lifetime. This policy is widely regarded as the gold standard in long-term care coverage. Payment options are outlined below. Read the review.

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

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

If you want more clarity on your options, I recommend completing this longer health pre-screen form (15 minutes). I’ll share your answers anonymously with Nationwide and OneAmerica to get informal feedback before any formal application. This helps us identify which policy is the best fit and avoids the risk of a formal decline.

📺 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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