Shyamoli,
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 selected these policies based on your preferences:
Memory care
Alzheimer’s care often lasts 8+ years—much longer than average. You asked for 5 years of benefits. Most policies offer 4- and 6-year benefit periods, so I chose 6 years to provide more protection in the event of memory care needs.
Refund
I included three policies that offer a refund (a life insurance payout) if you don’t end up needing long-term care. That way, your heirs receive 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
Smaller annual payments are easier on your budget, though they cost more in the long run. I chose three policies with mid-range payment schedules (10 years) to help increase your benefits.
The graph shows your benefits are below projected long-term care costs—but you don’t need to cover everything. In assisted living, housing and meals are typically included, and other income or assets can help. If needed, we can also increase the annual benefits on these policies by reducing the number of 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