LTCi Quotes For Kathryn and Terrence M

Kathryn and Terrence,

I'm pleased to offer three customized long-term care insurance (LTCi) quotes that provide meaningful coverage.

Comparison table

🧐 Quote jargon

• You pay: Once all payments are made, your benefits stay available anytime in your lifetime. Increase or decrease your payments, and benefits adjust by the same percentage.
• Benefit growth: Your benefits grow each year at this rate to help keep up with rising LTC costs
• Benefit years: Once you qualify, benefits can begin right away and last up to this number of years
• Annual benefits: The max amount you can receive each year; the chart shows benefits at age 80 as an example
• Total benefits: The full amount available if you need care every year for the full benefit period
• Life insurance: Paid to your heirs if you never need LTC
• Payout method: Cash lets you use funds however you choose; reimbursement requires receipts
• Pay options: Shorter payment schedules give you more benefits (but cost more per year)

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 chose these policies based on your preferences.

Maybe to Alzheimer's, maybe with and without? If it keeps policy premiums lower, then no to return of premiums.We just want the lowest price available to protect our assets. 

I chose three policies without life insurance refunds, with shorter benefit periods (4 years), and extended payment schedules to help keep your annual costs lower. At the same time, each policy includes a shared care rider, which adds flexibility—so if one of you ever needs longer-term care, especially for something like memory care, you can draw from your partner’s unused benefits.

Each shared care rider works a little differently, and you can find details in the review link listed in the table for each policy.

LTC costs in Alabama
The graph shows your benefits are below your projected long-term care costs for two policies—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.

Next steps

After reviewing these quotes, most people ask for a few tweaks to adjust their annual benefits or costs. What would you like to adjust?

(1) Reduce my payment years to ___ (e.g., over 10 years).
(2) Increase my benefit years to ___ (e.g., 6 years).
(3) Adjust my annual budget to ___ (e.g., $5k/year).

Want to talk about your options? Just reply or grab a time for a quick call here. Zero sales pressure.

Thanks!
Jesse