Revised LTCi Quotes for Traci M

Traci,

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

🔁 Revised quotes

I’ve provided three quotes similar to your original Plus selection (currently Choice B), each with a $10k/year premium for 10 years. Since Securian doesn’t offer a 3-year benefit period, I used 4 years. All include 3% annual growth to help your benefits keep pace with rising long-term care costs.

🧐 My notes

All three options are strong and each includes a refund to your spouse, kids, or heirs that exceeds the total premiums paid if you never need care. You can read reviews of Lincoln MoneyGuard, Nationwide CareMatters, and Securian SecureCare.

Assisted-living in Ohio is projected to cost $150,000/year by age 80 (assuming 4% annual growth). Your options provide lower annual benefits than this projection, but you can bridge the gap using personal savings and Social Security. If you'd like higher annual benefits, you can increase your premium—your benefits will rise proportionally (e.g., by 25%).

Personally, I’d lean toward Choice C. Securian SecureCare offers 4 years of coverage with much higher maximum benefits, while annual benefits and the refund are only slightly lower. With the average length of long-term care for women at 3.7 years, this policy would cover a typical need.

👉🏻 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).

📺 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
Website | YouTube | Email