LTCi Quotes for Jay and Sonya S
Jesse Vickey
- 2 min read

LTCi Quotes for Jay and Sonya S

On this page

Jay and Sonya,

I'm pleased to share three top LTC insurance quotes.

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 included the three policies you asked about. We should also consider Securian SmartCare as a comparable option later.

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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

From the graph, you’ll likely notice a key tradeoff: Nationwide and Brighthouse offer higher annual benefits, while OneAmerica stands out for its lifetime benefit option.

Alternatively, you could increase your annual benefit by shortening the benefit period to something closer to the typical length of long-term care—around 3 to 4 years—but it’s worth noting that memory care often extends 8 years or more.

Regarding the wait time after physical therapy has ended, here’s what the pre-underwriting guidelines say for each carrier:

  • Nationwide CareMatters – Requires a minimum 6-month wait after physical therapy ends.
  • Brighthouse SmartCare – No mention of physical therapy or a specific waiting period in the underwriting guide.
  • OneAmerica Asset Care – No formal guideline listed, but my wife and I have been given the green light to apply at her 3 month mark (possibly earlier).
  • Securian SecureCare – Applicants should wait to apply until they’re “back to 100 percent activity without limitations and care.”

LTC costs in New Hampshire
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 New Hampshire here.


Next steps

After reviewing these quotes, many have questions or ask to see updated quotes. We're happy to help.



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Still learning?
Explore the three biggest reasons to get LTCi in this unboring video from our YouTube channel.

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Thanks,
Jesse