Revised LTCi Quotes for David L
Jesse Vickey
- 2 min read

Revised LTCi Quotes for David L

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David,

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


🔁 Revised quotes

I ran quotes on the leading hybrid long-term care policies for a $75,000 single payment: Lincoln MoneyGuard Fixed Advantage, Nationwide CareMatters II, Securian SecureCare III, OneAmerica Asset Care (State Life), and Brighthouse Financial. While other hybrids exist, they’re not as competitive. Below are the top three options for your review, each with 3% annual growth to help your benefits keep pace with rising LTC costs.



🧐 My notes

Assisted living in Idaho at age 80 is projected to cost $147,000 per year. I chose a $75,000 single payment for these policies because the annual benefits came closest to this target at age 80. The three policies I recommended all provide cash benefits, which are more flexible than reimbursement. With cash benefits, you can use the money for anything, such as paying family for caregiving or setting aside funds for costs beyond three years. Each policy also offers a death benefit (refund) to your heirs that is higher than the $75k premium you pay. A few additional notes:

  • A → Nationwide CareMatters: This policy includes several extra perks. Payments start on day 91 (typical) but cover the first 90 days retroactively. If you never need care, your family receives at least 20% of your remaining benefit, the highest available on the market. Read our review.
  • B → Brighthouse SmartCare: This policy does not offer three-year benefits, so I quoted it with four years instead. Read our review.
  • C → Securian SecureCare: This policy also does not offer three-year benefits, so I quoted it with four years instead. Read our review.

If I were choosing among these policies for myself, I would select either Nationwide for its additional perks or Securian for the highest maximum benefits.

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


👉🏻 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).

📞
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.

📺 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?
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