LTCi Quotes for Stephanie and Unsure A
Jesse Vickey
- 2 min read

LTCi Quotes for Stephanie and Unsure A

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Stephanie,

I'm pleased to share three top LTC insurance quotes, carefully chosen based on your age, state, preferences, and current rates.

FYI, your husband's name wasn't included in your website form, so I used 'Unsure' for now. 😀

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

🤝
If anything below feels unclear, feel free to schedule time at the bottom to chat.

Your three quotes

I set each policy to a 10-year payment option at $20k/yr so you easily compare the benefits.



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

Since you weren’t sure about your preferences, I selected a mix of policies to help you compare. Nationwide offers a 4-year benefit period with a refund. Thrivent also provides a 4-year benefit period but without a refund. For reference, the average long-term care need for women is about 3.7 years, though it can extend beyond 8 years with memory care. I also included OneAmerica, which offers lifetime benefits with a refund, as a contrasting option. Each policy includes multiple payment options. If one of these stands out, I can show you similar alternatives.

For shorter coverage, Nationwide stands out over Thrivent thanks to its refund feature. For longer-term protection, OneAmerica is a strong choice with its lifetime benefits.

LTC costs in Louisiana
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.

📍
See current and projected costs for home care, assisted living, and other LTC in Louisiana here.


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