Revised LTCi Quotes for Kara W

Kara,

Good news. Your revised long-term care (LTC) insurance quotes are ready.

🔁 Revised quotes

Here are three OneAmerica quotes with the same lifetime benefits, but different ways to pay. Each one includes 5% annual growth to keep your coverage growing alongside the rising cost of care (see "My notes" below).

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Should you shop around? You can—but your quotes will be the same everywhere. Long-term care insurance prices are set by the insurance companies, not by brokers. We offer all the top policies and help you find the best fit. Want to adjust your coverage? We can raise or lower the premium—your benefits will scale accordingly.

🧐 My notes

Since you're relatively young to be applying for long-term care insurance, I updated your original quotes to include 5% benefit growth instead of 3%. Here’s a comparison graph to show the difference.

By choosing 5% growth instead of 3%, your starting benefits are lower—but they grow much faster. That means you'll have significantly higher coverage later in life, when you're more likely to need care. If you'd prefer to stick with 3%, just let me know.

Personally, I’m a big fan of the lifetime OneAmerica policy with 5% growth. My wife and I applied for this policy ourselves two weeks ago. We’re currently waiting on approval. 🤞🏼

To give you some context: the projected cost of assisted living in Missouri is $297,000 per year 👀 by the time you're 80 (assuming 4% annual inflation). With this policy, you'd start with $169,000 per year in benefits that grow 5% annually and pay out for life. That still leaves a gap—but one that could be filled with Social Security or personal savings.

If you went with Option A, your annual premiums would be much lower than your original quote—$4,681 per year. You’d pay for life, but the policy would stop charging once you begin receiving care.

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Cost tool → Compare current and projected costs for home care, assisted living, and more in Missouri and elsewhere.

👉🏻 Next steps

Once you've reviewed your options, just reply to my email or text with the one that feels closest—A, B, or C and I'll email the policy documents to you (no commitment).

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Got questions or just starting out? Let's talk. I'm Jesse (you’ll see me in the video below). No pressure, no commitment. Just happy to help. Grab a 15-min call.

📺 Still learning?

Watch our 7-minute "unboring" video on the features of LTC insurance. That's me in the video.

Thanks,
Jesse

Jesse Vickey at Long Term What?
Schedule a call or 720-263-2188
Website | YouTube | Email

August 5, 2025 updates

To answer your payment questions, I used Choice C ($11,277/yr for 10 yrs) as an example. Choice B numbers should be similar.

Payment alternatives from annual

From a OneAmerica policy document for choice C:

Payment alternatives for age

The cost by age for the same benefits paid over 10 years:

Age 41: $11,276
Age 42: $11,320
Age 43: $11,364
Age 44: $11,412
Age 45: $11,464

My thoughts

The cost difference between the two payment alternatives isn’t large if you choose to delay your purchase and/or adjust your payment frequency. Just keep in mind that your health plays a major role in your ability to qualify for coverage, as I explain in this video.

Let me know if I can help be helpful with anything else!