LTCi Quotes For Gary H
Jesse Vickey
- 2 min read

LTCi Quotes For Gary H

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Gary,

I'm pleased to offer three customized long-term care insurance (LTCi) quotes that provide meaningful coverage.

Comparison table

🧐 Quote jargon

  • You pay: Once all payments are made, your benefits stay available anytime in your lifetime. Increase or decrease your payments, and benefits adjust by the same percentage.
  • Benefit growth: Your benefits grow each year at this rate to help keep up with rising LTC costs
  • Benefit years: Once you qualify, benefits can begin right away and last up to this number of years
  • Annual benefits: The max amount you can receive each year; the chart shows benefits at age 80 as an example
  • Total benefits: The full amount available if you need care every year for the full benefit period
  • Life insurance: Paid to your heirs if you never need LTC
  • Payout method: Cash lets you use funds however you choose; reimbursement requires receipts
  • Pay options: Shorter payment schedules give you more benefits (but cost more per year)

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

As you've probably already noticed, Thrivent offers higher benefits than the other two policies. These quotes are contingent on how each insurer evaluates your health and occasional smoking, but Thrivent is certainly the winner at this point.

Memory care: no
Alzheimer’s care often stretches beyond 8 years—well over the typical 3-year average. That’s why I picked policies with shorter benefit periods.

Refund: no
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 all policies 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 (mostly 10 years).

LTC costs in North Carolina
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.

📍
See current and projected costs for home care, assisted living, and other LTC in North Carolina here.

Next steps

I can update your quotes by adjusting either the premium amount or the payment schedule—for example, switching the Thrivent policy to lifetime annual payments.

Or want to talk about your options and application steps? Just reply or grab a time for a quick call here. Zero sales pressure.

Thanks!
Jesse