LTCi Quotes for John and Maria D
Jesse Vickey
- 2 min read

LTCi Quotes for John and Maria D

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John and Maria,

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

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If anything’s unclear, feel free to book a time below.

Early quotes

I set each policy to a 10-year payment option with a combined $20,000 per year, so the benefits are easy to compare. Other payment options are included and can be adjusted to fit your budget.

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These early quotes are rounded to simplify side-by-side comparisons. Once you’ve chosen a direction, we’ll generate precise figures. Final pricing is standardized by the insurer and reflects your health details.


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 didn’t mention any specific policy preferences (which is very common), I included two policies with different benefit lengths, both with refunds, plus a third less expensive alternative.

  • Securian offers a refund to your heirs greater than your payments if you never need LTC.
  • OneAmerica offers lifetime benefits.
  • The Thrivent policy includes a shared care rider—if one partner uses up their benefits, they can draw from the other’s.

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.

LTC costs in Massachusetts
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.

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


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