Eleanor,
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 lifetime payment option at a combined $7,000 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 (Yes to memory care and No to refunds), I included two policies with longer benefits to help cover memory care without refunds, plus a third with a refund for comparison. The Thrivent policy includes a shared care rider—if one partner uses up their benefits, they can draw from the other’s. The NGL policy adds a third, shared pool of benefits once either partner exhausts their own. See the policy review links in the table for details.
Big picture: As you review these, think about what matters more—lower-cost benefits for typical care, longer coverage for memory care, 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.
Benefit growth options
Since you’re young, 5% benefit growth—rather than the typical 3% used in these policies—can sometimes offer higher monthly benefits by your 80s, when care is most often needed. As a next step, we can review a side-by-side graph to compare both options.
LTC costs in Maryland
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 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