Revised LTCi Quotes for Denise R
Jesse Vickey
- 2 min read

Revised LTCi Quotes for Denise R

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Denise,

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


🔁 Revised quotes

I've provided three quotes that are similar to your prior Base (A below) and Plus (B and C below) options. Each one includes 3% annual growth to help your benefits keep pace with rising LTC costs. See my comments below.

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Should you shop around? You can—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 premium—your benefits will scale accordingly.



🧐 My notes

I’ve quoted multiple policies, and the three shown here are among your strongest options. You can read reviews of the NGL, Nationwide, and Securian policies.

You might base your decision on:

  • Option A: Lower annual payments for life, without a refund. Your annual premium amount is not guaranteed, but it's very unlikely for this to increase over time.
  • Options B and C: Higher payments for just 10 years, resulting in a lower total cost and a refund to your heirs (such as a spouse or children) if care is never needed.

In the "Other payment options" row of the table above, you’ll find alternate cost and payment schedules for each policy.

Assisted living in Pennsylvania is projected to cost about $137,000 per year by age 80 (assuming 4% annual growth). Your benefits at that age are a bit lower, but you can use personal savings and Social Security to help bridge the gap.

If you’d like higher annual benefits, you can increase (or decrease) your premium—your benefits will grow proportionally (e.g., a 25% increase in premium would result in 25% more coverage).

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


👉🏻 Next steps

Once you've reviewed your options, just reply to my email or text with the one that feels closest—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 (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?
Schedule a call or 720-263-2188
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