Janet,
I'm pleased to offer three customized long-term care insurance (LTCi) quotes that provide meaningful coverage.
Why people choose LTC insurance:
❤️ Your family shouldn’t have to become full-time caregivers
💰 Your savings deserve protection from care costs
🧠 Stay in control — at home or the best facility
Your three quotes
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’ve attached two policies that offer LTC coverage up to age 80—you’d need to apply before your birthday. Based on your quotes, Lincoln offers higher annual benefits, while OneAmerica provides lifetime coverage and a more convenient payment option ($15K/year for 10 years). Both include a refund if you never need long-term care. If you'd like higher annual benefits, we could shorten the benefit period from 6 to 4 years—I’d be happy to send revised quotes.
I chose these policies based on your preferences.
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 policies with 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 based on your age.
LTC costs in North Carolina
Your benefits are below projected LTC costs—but that doesn’t mean you’ll pay the difference out of pocket. Assisted living often includes housing and meals, replacing everyday expenses. Other income, like Social Security, or assets can help bridge the gap.
Next steps
After reviewing these quotes, many ask to see revised quotes. Would you like to see changes to your payments, benefits, or something else?
Want to talk about your options? Zero sales pressure. Pick a time on your schedule.
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Thanks,
Jesse