Cynthia,
I'm pleased to offer three customized long-term care insurance (LTCi) quotes that provide meaningful coverage.
Comparison table
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 chose these policies based on your preferences.
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 Florida
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, like social security, or assets can help bridge the gap.
Next steps
After reviewing these quotes, most people ask for a few tweaks to increase their annual benefits. What would you like to adjust?
(1) Reduce my payment years to ____.
(2) Reduce my benefit years to ____.
(3) Increase my annual budget to ____.
Want to talk about your options? Just reply or grab a time for a quick call here. Zero sales pressure.
Thanks!
Jesse