Dann,
I'm pleased to share three top LTC insurance quotes, carefully chosen based on your age, state, preferences, and current rates.
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
Based on your quotes, I'd lean toward Securian for the higher annual benefits, although Nationwide has a few smaller extra perks (e.g., higher minimal life insurance) which I can discuss later. These quotes assume Todd is healthy, but we can address his health later.
I chose these policies based on your preferences.
Memory care: Unsure
Alzheimer’s care often stretches beyond 8 years—well over the typical 3-year average. That’s why I picked policies with lower benefit period lengths (4 years).
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 the most popular, affordable policies with life insurance.
Smaller payments: Unsure
Smaller payments over many years are easier on the budget but cost more in the long run. So I chose mid-range payment periods (10 years).
LTC costs in Arkansas
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