Ron and Terri,
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
Comparing these policies isn’t apples-to-apples since each has a different payment schedule. Do you have a rough annual budget in mind? That’ll help me fine-tune the options to fit what you can afford.
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: yes
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 three 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.
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