Revised LTCi Quotes for Mary P
Jesse Vickey
- 2 min read

Revised LTCi Quotes for Mary P

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Mary,

Good news. Your revised long-term care (LTC) insurance quotes are ready.


🔁 Revised quotes

I've provided two options (A & B) similar to your Plus and Cadillac choices, each costing around $8,500 per year for 10 years and offering a refund if you never need care. Option C is different—it costs about twice as much but provides lifetime coverage instead of being capped at 4 years. For context, the average duration of care for women is 3.7 years, but memory care for conditions like Alzheimer’s can extend beyond 8 years.

All three policies are built with 5% compound growth. Since you’re applying at a younger age, this option (shown as the red line in the graph) surpasses 3% growth in your early 70s. That means slightly lower coverage in the early years, but significantly more by the time you’re most likely to need care. If you’d prefer 3% growth, I can adjust your quotes.

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Should you shop around? You can—but your quotes will be the same everywhere. Long-term care insurance prices are set by the insurance companies, not by brokers. We offer all the top policies and help you find the best fit. Want to adjust your coverage? We can raise or lower the premium—your benefits will scale accordingly.



LTC costs in Iowa
Assisted-living in Iowa is projected to cost $287,000/year by age 80 (assuming 4% annual growth). But your policy doesn't have to cover everything. Assisted-living already includes housing and meals, and any steady income, like Social Security, can bridge the gap that your policy doesn't cover.

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Cost tool → Compare current and projected costs for home care, assisted living, and more in Iowa and elsewhere.


🧐 My notes

If you'd prefer more affordable coverage for the most likely care scenario, I'd recommend choice B, Nationwide CareMatters (read our review). If you’re planning ahead for the less likely—but higher-cost—scenario of needing memory care due to Alzheimer’s or another cognitive condition, I'd go with choice C, OneAmerica Asset Care (read our review).


đŸ‘‰đŸ» Next steps

Once you've reviewed your options, just reply to my email with the one that feels closest—A, B, or C and I'll email the policy documents to you (no commitment).

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Got questions or just starting out? Let's talk. I'm Jesse (you’ll see me in the video below). No pressure, no commitment. Just happy to help. Grab a 15-min call.

đŸ“ș Still learning?

Watch our 7-minute "unboring" video on the features of LTC insurance. That's me in the video.

Thanks,
Jesse

Jesse Vickey at Long Term What?
Schedule a call or 720-263-2188
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