LTCi Quotes For Carey M
Jesse Vickey
- 2 min read

LTCi Quotes For Carey M

On this page

Carey,

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

The Nationwide policy offers not only higher annual benefits and life insurance, but also several valuable extras. These include cash payouts, retroactive benefits after the 90-day waiting period when long-term care is needed, and the highest minimum life insurance in the industry. I’m happy to explain these in more detail.

I chose these three 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: 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 two policies with mid-range payment schedules (over 10 years). Mutual of Omaha only offers lifetime pay.

💡
I ran quotes for the same Nationwide policy paid over 5 years (instead of 10 years). The annual benefit at age 80 increased to $194,436/yr (from $144,888) and the life insurance increased to $160,210 (from $144,888).

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