LTCi Quotes for David L (v2)
Jesse Vickey
- 2 min read

LTCi Quotes for David L (v2)

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David,

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

👀 Revised quotes (v2)

I've provided four quotes with the same benefits. Compare option A (your base choice paid over 10 years) versus lower-premium options paid for your lifetime.

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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.

LTC costs in Idaho
Assisted-living in Idaho is projected to cost $153,000/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 Idaho and elsewhere.


🧐 My notes

Option A is your best fit if you'd like to make 10 annual payments and be done. Options B, C, and D are lifetime payment options from three similar policies—they differ slightly in ways we can talk through. You get to stop paying premiums while receiving benefits.

🔑 The key decision is whether you’d prefer to pay more upfront and finish in 10 years or spread out the cost over your lifetime.

I’ve shown the following policies.

  • Thrivent Standalone (A, C): Thrivent Financial is a top-rated nonprofit with a Christian foundation. To apply, you must confirm that either you or your spouse is a Christian. This is a reimbursement policy (submit receipts). Premium amounts are only guaranteed for 5 years, though increases are unlikely. Read the review.
  • NGL EssentialLTC (B): It’s a reimbursement policy (submit receipts). Lifetime premium amounts are not guaranteed, although increases are unlikely. Read the review.
  • Mutual of Omaha SecureCare (D): It’s a reimbursement policy (submit receipts). Premium amounts are not guaranteed, although increases are unlikely. Read the review.

These policies will increase in cost by about 3% if you apply after your birthday—except NGL, which holds steady for about six more months. I’ve rounded a few values to make benefit comparisons easier, so official quotes may vary slightly.

👉🏻 Next steps

Just reply to my email with A, B, C, and/or D and I’ll email the policy documents (no commitment).

📺 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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