Ken,
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 notes
I apologize for the extra, errant email you received. Sometimes automation doesn't always work 😄
A recent A1C of 5.6%, no diabetes-related complications, and a weight in the overweight (but not obese) range all point to strong control and a low-risk profile. That puts you in a very favorable position for long-term care insurance. 👍🏻
Each insurer has its own height and weight guidelines, but here’s a reference chart to give you a general idea. The three columns on the right show how your rating—and therefore your cost—may change based on your height and weight.
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 and NGL offer lifetime benefits.
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 (OneAmerica) for comparison. With OneAmerica, 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: 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
Update: June 9, 2025
Ken,
I hope you're doing well. Based on feedback from the insurers, you’re likely to be approved by these two companies in the following table and graph.
By reducing your benefit period to 4 years, your annual benefits are higher and better cover future LTC costs.
If you wanted to boost your annual benefits for the Thrivent policy, one option is to switch from lifetime payments to a 10-year payment schedule. Let me know if you'd like to see what that looks like within your annual budget.
As I mentioned in your earlier quotes, you don’t have to plan for every long-term care expense. In assisted living, housing and meals are often included—and other income or assets can help cover the rest.
Next steps—email me if you'd like to:
• Receive the full policy documents with more details.
• Make adjustments to any of these quotes.
• Explore coverage for your partner (just share their name, date of birth, gender, smoking status, any health conditions or prescriptions, and any policy preferences).
• Schedule a quick call to walk through the options together.
I'm encouraged to see that you have a couple of good options. 👍🏻
Thanks,
Jesse