Christopher and Elizabeth,
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
Big picture, one key decision is how much you value having life insurance in your policy. If that's not a priority, Mutual of Omaha may be your best option—especially with the added flexibility of the shared care rider (see below). Alternatively, OneAmerica has life insurance and lifetime benefits.
I chose these policies based on your preferences:
Memory care: Yes
With Alzheimer’s, care often lasts 8+ years—much longer than average. That’s why I chose policies with longer coverage. OneAmerica offers lifetime benefits. 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: Yes
Smaller annual payments are easier on the budget but cost more over time. Often, they stop or drop once you start using benefits. I chose three policies with the longest payment schedules to keep annual costs lower. If you shorten the payment period, your benefits will increase.
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