Kara,
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're relatively young, you have plenty of strong options for long-term care insurance. You mentioned interest in memory care coverage—while the average need for LTC is about 3.7 years for women, it can extend beyond 8 years for conditions like Alzheimer’s or dementia. With that in mind, I included two policies with longer benefit periods: OneAmerica offers lifetime coverage, and Nationwide offers 7 years. I also included a Thrivent option with higher annual benefits, but only 4 years of coverage and no refund if care isn’t needed. Each policy shows multiple payment options. From here, you can start narrowing in on what matters most to you—like benefit length or refund features—and I can show you more options that align with those priorities.
LTC costs in Ohio
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