LTCi Quotes for Suzanne S

Suzanne,

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

Why people choose LTC insurance:

Your family may not be able to become caregivers
Stay in control — at home or your preferred facility
Your savings deserve protection from care costs

🔧 How LTC insurance works

It's a little different from your home or auto insurance.

Pick your price for how much coverage you want.
Coverage stays in place forever, even after you’re paid up.
When you need benefits, coverage has monthly and total maximums.
Benefits grow to keep up with future care costs.

👀 First-look quotes

To start, I’ve provided quotes from three different policies with increasing costs.

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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.

📈 Graph of benefits

This graph shows how your projected benefits and LTC costs in South Dakota if you needed care at age 80, but benefits can start at any time. For more detail, click a policy name—like Base—or any line.

LTC costs in South Dakota
Assisted-living in South Dakota is projected to cost $87,000/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 South Dakota and elsewhere.

🧐 My notes

Based on your feedback of No to longer coverage for memory-care and No to a refund, I’ve shown the following options.

Base: A simple, no-refund option. Every dollar you pay goes toward care, so your yearly benefit check is large.
Plus: A similar policy without the refund, shown for easy comparison.
Cadillac: You didn’t request this one, but I've included it for comparison. It includes a refund if no care is needed and offers longer-lasting benefits—designed for extended care like Alzheimer’s.

👉🏻 Next steps

Once you've reviewed your options, just reply to my email with the one that feels closest—Base, Plus, or Cadillac 😊—and any comments you'd like to add. I’ll then fine-tune your quotes with more specifics to match your budget, with zero commitment.

📺 Still learning?

Watch our 6-minute "unboring" video on the three biggest reasons to get LTC insurance. That's me in the video.

Thanks,
Jesse

Jesse Vickey at Long Term What?
Schedule a call or 720-263-2188
Website | YouTube | Email