LTCi Quotes for Larry P
Jesse Vickey
- 2 min read

LTCi Quotes for Larry P

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Larry,

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 at $10,000 per year to make the benefits easier 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

Based on your preferences (Yes to memory care and Yes to refunds), I included two policies with longer benefits to help cover memory care and refunds. I added Thrivent, a less expensive alternative with a short benefit period and without a refund as a comparison. See the policy review links in the table for details.

  • OneAmerica offers lifetime benefits with a lower annual benefit.
  • Securian offers 6 years of benefits and a higher annual benefit.

Big picture: As you review these, think about what matters more—lower-cost benefits for typical care, longer coverage for memory care, and/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
For two of your policies, 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 Florida 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