Paula,
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
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 three 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: 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 (over 5 years). Paying all at once will increase your benefits some.
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