Randee,
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
Early quotes
I set each policy to a 10-year payment option at a combined $5,000 per year to make the benefits easy to compare. Other payment options are included and can be adjusted to fit your budget.
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 preferences (No to memory care and Yes to refunds), I included two policies with shorter benefits and refunds, plus a third less expensive alternative. See the policy review links in the table for details.
Big picture: As you review these, think about what matters more—lower-cost benefits or a refund (life insurance) if you never need care. Once you’ve got a direction, I’ll send more fine-tuned quotes to fit.
LTC costs in Illinois
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. I used relatively low premiums for these quotes. If you prefer higher benefits, you can increase your premium—your benefits will rise proportionally.
Next steps
After reviewing these quotes, many have questions or ask to see updated quotes. We're happy to help.
Want to talk about your options? Zero sales pressure. Pick a time on your schedule.
Still learning?
Explore the three biggest reasons to get LTCi in this unboring video from our YouTube channel.
Or read our blog or listen on Spotify, Apple Podcasts, and YouTube Music.
Thanks,
Jesse