LTCi Quotes For James N.
Jesse Vickey
- 2 min read

LTCi Quotes For James N.

On this page

James,

I'm pleased to offer a few long-term care insurance (LTCi) quotes that provide meaningful coverage.

Comparison table

✨ All policies include:

  • Flexible care: at home or in a facility
  • Adjustable premium and benefit options
  • Starting benefits when you qualify for LTC

View local care costs here.

Graph of benefits

This graph shows how your benefits would compare to expected LTC costs if you needed care at age 80. Click any policy name or line for more detail.

My thoughts

The graph shows your benefits are below potential LTC costs—but you don’t need to cover everything. In assisted living, housing and food are often included, and other income or assets can help. You might also prefer to focus on the most likely need—like 3 years of care—rather than extended coverage. If so, I can shorten the length of any policy to boost monthly benefits.

You asked some great questions in your last email. I’ve included a few policy options to help you compare:

  • Memory care: OneAmerica is the strongest option for long-term memory care because it offers lifetime benefits—but keep in mind, the annual benefit amount is lower as a tradeoff.
  • Refunds: The Mutual of Omaha policy doesn’t include life insurance (no death benefit) and only offers a lifetime payment structure. The other policies do include life insurance, which can return unused value to your heirs.
  • Lower payments: I showed two versions of the Nationwide policy so you can see how benefits vary depending on whether you pay over 10 years or your lifetime. With lifetime pay options, both Nationwide and Mutual of Omaha reduce or stop premiums if you go on claim.

There are a lot of moving parts, so most people start by focusing on one or two policies, then request new quotes based on payment preferences or other adjustments.

  • Want to adjust the costs or benefits for any plan? Just reply and I’ll send revised quotes.
  • Want the full brochures? Just reply to my email and I'll send them over.
  • Have questions? Just reply, text me at 720-263-2188, or grab a time for a quick call here.

Thanks,
Jesse