Terrie and Thomas,
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
The graph isn't a perfect apples-to-apples comparison because the Securian policy is paid over fewer years (15). All are close in benefits, but Nationwide and Securian offer life insurance if you never need long-term care.
Memory care: yes
Alzheimer’s care often stretches beyond 8 years—well over the typical 3-year average. That’s why I picked policies with longer 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 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. 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
Update: June 5, 2025
Terrie and Thomas,
It was great speaking with both of you this week. As promised, I’ve put together updated quotes with some new options and design changes based on our conversation.
Previously, your best option was with Securian—paying $200,000 over 15 years for $70k/year in benefits starting at age 80.
I think your best option might be the joint Nationwide Together policy. Here's why:
- You'd still pay $200k (over 10 years) but receive $90k/year in benefits starting at age 80. This doesn't reach your forecasted LTC cost of $120k, but it's close.
- You’d share a combined 8 years of benefits—giving you the flexibility for one of you to use 7 years and the other just 1, or any combination that adds up to 8.
- If you never needed LTC, your heirs would receive life insurance of $170,376 after both of you pass away.
- As discussed, you'd receive cash benefits (no receipts).
To learn more about the Together policy and the terms, download the illustration from the below link.
Below is a comparison of your updated options.
Let me know if you'd like to discuss any of these details.
Thanks,
Jesse