LTCi Quotes for Tracy and Tommy W
Jesse Vickey
- 2 min read

LTCi Quotes for Tracy and Tommy W

On this page

Tracy and Tommy,

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 for easy comparison. Once you’ve picked a direction, we’ll get exact figures. LTC insurance is legally required to be priced the same everywhere, so we aim to earn your business with expertise, service, and unboring content.


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 (life insurance), plus a third less expensive alternative (Thrivent). The Thrivent policy offers the option to add a shared care rider for roughly 25% more—this allows one partner to use the other’s benefits if they use up 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.

LTC costs in Tennessee
Your benefits are below projected LTC costs for your Nationwide and OneAmerica policy—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 Tennessee here.


Next steps

Most policies come with a bunch of options, and we can figure out what fits you best. You can grab a time for a call on my calendar, reply to my email, or just shoot me a text at 720-263-2188. No pressure at all—just here to help. Really.



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