Leland,
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
Assisted living costs in South Dakota (shown by the dotted gray line) are lower than in many other parts of the U.S., so two of these quotes provide more than enough coverage. That’s a good thing—we can reduce the premiums on these policies or pay over more years. 👍🏻
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: 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 (Nationwide) for comparison. With Nationwide, 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: No
Smaller annual payments are easier on the budget but cost more over time. I chose three policies with shorter payment schedules (5 years and once) to boost your benefits.
- 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