LTCi Quotes For Vincent and Eileen P
Jesse Vickey
- 2 min read

LTCi Quotes For Vincent and Eileen P

On this page

Vincent and Eileen,

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 in your state if you needed care at age 80. Click any policy name or line for more detail.

My thoughts

With the Nationwide policy, the benefits may look a little odd—years 1 and 2 pay less, while years 3 and 4 pay more. Personally, I wouldn’t recommend this one for you. If your priority is maximizing long-term care benefits, Mutual of Omaha is a stronger fit. Brighthouse is worth a look too if you'd like some life insurance built in if you never use the LTC benefits.

I chose these policies based on your preferences:

Memory care: No
Alzheimer’s care can last 8+ years—longer than average—but it's less common, and longer policies cost more. That’s why I chose shorter, more cost-effective options for you.

Refund: Yes
I chose two policies that include a refund (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 actually get money back if you don’t use the benefits.

Smaller payments over time: No
Smaller annual payments are easier on the budget but cost more over time. I chose three policies with shorter payment schedules to boost 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.

  • 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