Fang,
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
Memory care: unsure
Alzheimer’s care often stretches beyond 8 years—well over the typical 3-year average. That’s why I picked policies with middle-of-the-road benefit periods.
Refund: unsure
Some policies include a life insurance refund if you don’t need long-term care, so your heirs receive most or all of the money back you spent as an inheritance. I picked a mix of policies with and without life insurance.
Smaller payments: unsure
Smaller payments over many years are easier on the budget but cost more in the long run. So I chose mid-range payment periods.
LTC costs in West Virginia
The graph shows your benefits are below your projected long-term care costs—but that doesn’t mean you’ll have to pay the difference out of pocket. Assisted living often includes housing and meals, which may replace expenses you’d otherwise be paying for housing or food. Other income or assets can help bridge the gap. If you’d like to increase your annual benefits, you can pay a higher premium, choose a shorter benefit period, or pay over a shorter timeframe.
- 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