Peggy,
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
Since you asked to see policies with shorter benefits (rather than extended memory care coverage) and refund options, I chose three with 4-year benefit periods—the average length of long-term care is about 3 years. Each policy includes multiple payment options, which we can adjust up or down depending on your preferences—your benefits will increase or decrease accordingly.
LTC costs in Minnesota
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