Li,
I'm pleased to offer you a few long-term care insurance (LTCi) quotes that provide meaningful coverage. Most policies don't offer coverage before age 35, but the two I quoted below offer coverage at age 30 and are very popular. I quoted four options for Nationwide (see the bold for differences) to find your best option.
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
To prepare for future long-term care costs, the 5% benefit growth option (Nationwide v3, black line) is your strongest choice—given your age and the power of compounding. If your budget allows, paying over 10 years (or in fewer payments) maximizes your benefits. Otherwise, choosing annual payments through age 65 can lower your yearly cost.
- 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