Revised LTCi Quotes for Tracy S
Jesse Vickey
- 2 min read

Revised LTCi Quotes for Tracy S

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Tracy,

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


šŸ” Revised quotes

Iā€™ve provided three quotes that are similar to your original Base option. All three offer comparable benefits, with annual costs decreasing from left to right. Each includes 3% annual compound growth to help your benefits keep pace with rising long-term care costs. See my notes below for why I selected these particular benefit levels for you.

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Should you shop around? You canā€”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 premiumā€”your benefits will scale accordingly.



šŸ§ My notes

I selected lower costs and benefits than your original Base policy to avoid overinsuring. While it's difficult to predict future long-term care costs, assisted living in Colorado is projected to cost around $113,000 per year by age 80, assuming 4% annual inflation. Your policy options include 3% compound growth, which should keep pace with most of that increase.

I typically recommend covering slightly less than projected costs, with the expectation that you can bridge any shortfall using personal savings and Social Security. These options follow that approach (they pay around $100,000 per year by age 80). If you'd prefer higher annual benefits, you can increase your premiumā€”benefits will rise proportionally (e.g., about 25% more benefit for a 25% higher premium).

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Cost tool ā†’ Compare current and projected costs for home care, assisted living, and more in Colorado and elsewhere.

All three policies include lifetime premiums, meaning you pay each year for lifeā€”but payments stop once you begin receiving care. While insurers technically can raise rates in the future, itā€™s highly unlikely. These policies are conservatively priced, and carriers have decades of data to help them set stable premiums.

Big picture: All three are strong options, but Iā€™d lean toward Choice C (NGL EssentialLTC)ā€”it gives you the most value for the premium. You can read reviews on these policies here.


šŸ‘‰šŸ» Next steps

Once you've reviewed your options, just reply to my email or text with the one that feels closestā€”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 (youā€™ll see me in the video below). No pressure, no commitment. Just happy to help. Grab a 15-min call.

šŸ“ŗ 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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