Jack,
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 added a few ways you could pay—each one gives you the same benefits.
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 (Unsure to memory care and No to refunds), I included two policies with short benefits without refunds, plus a third with a refund for comparison. See the policy review links in the table for details.
The Thrivent policy stands out for its strong benefits and may be your best option. You could even reduce your premium by 20% or more and still have enough coverage for future care costs—your benefits will decrease proportionally with a premium reduction.
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 Florida
Your benefits for two of your policies 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