Michael and Kathy,
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 Massachusetts at age 80. Click any policy name or line for more detail.
My thoughts
From a high-level, Nationwide has competitive annual benefits plus it offers a large death benefit if you never need care. We typically quote policies with 3% growth, but since you're both under 40, we might want to consider 5% growth. Your near-term benefits would be lower but they'd catch up in your 80s and beyond when you need LTC most often.
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: No
I chose two policies that don’t offer a refund—these are often called 'pure LTC insurance' because they only pay for care and are usually more affordable. I also included one with a refund option (Nationwide) for comparison. With Nationwide, if you don’t need care, your heirs get a life insurance payout. It’s a nice perk—unlike auto or home insurance, you can actually get money back if you don’t use it.
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. Most also offer single-pay options, which increase benefits—you’ll find these options listed in the review links under the premium section.
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