Courtney and Daniel,
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 notes
Based on your quotes, I'd go with Nationwide with its high benefits and life insurance.
Benefit growth options
Since you’re under 45, I used 5% benefit growth instead of the more typical 3%. It comes with lower life insurance and starts with lower monthly benefits, but those benefits grow faster over time and are higher by your 80s—when care is most often needed. Let me know if you’d like to see a graph of 5% vs 3% benefits.
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: 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: yes
Smaller payments over many years are easier on the budget but cost more in the long run. Since you prefer this option, I chose the longest payment periods available for each policy.
LTC costs in Washington
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. If you’d like to increase your annual benefits, you can pay a higher premium, choose a shorter benefit period, or pay over a shorter timeframe.
- 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