LTCi Quotes For Evelyn F and Michael M
Jesse Vickey
- 2 min read

LTCi Quotes For Evelyn F and Michael M

On this page

Evelyn and Michael,

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

Comparison table

✨ All policies include:

  • Flexible care: at home or in a facility
  • Premium and benefit options that we can adjust
  • Benefits that start whenever 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 in Washington at age 80. Click any policy name or line for more detail.

My thoughts

From a high level, One America offers lower life insurance than Nationwide, but it offers higher annual benefits and lifetime coverage. If your focus is LTC coverage instead of life insurance, One America is attractive.

I chose these policies based on your preferences:

Memory care: Unsure
With Alzheimer’s, care often lasts 8+ years—much longer than average. That’s why I included one policy with lifetime benefits for comparison. For Mutual of Omaha, I included a 'shared care' rider where if Partner A exhausts their benefit pool, they can begin using Partner B’s benefits.

Refund: Unsure
I picked two policies that offer a refund (a life insurance payout) if you don’t end up needing long-term care—so your heirs get it as an inheritance. It’s a nice perk—unlike auto or home insurance, you can get money back if you don’t use it. I also included Mutual of Omaha, which doesn’t offer a refund, so you can compare pricing.

Smaller payments over time: Unsure
Smaller annual payments are easier on the budget but cost more in the long run. I chose three policies with mid-range payment schedules. Shortening the payment period will increase your benefits.

The graph shows your benefits are below projected LTC costs—but you don’t have to cover everything. In assisted living, housing and meals are often included, and other income or assets can help. We can also increase the annual benefits on any of these policies by reducing the benefit years.

  • 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