Revised LTCi Quotes for Melissa H

Melissa,

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

🔁 Revised quotes

I’ve provided three quotes similar to your original Base policy, each offering 3 years of benefits, $5,500 annual premiums, and 3% compound growth to help your coverage keep pace with rising long-term care costs.

🧐 My notes

All three policies are strong choices with similar benefits. Option C, NGL EssentialLTC, offers slightly higher coverage, so I’d lean toward that one. Option B, Thrivent, rooted in a Christian mission, has the strongest financials—but all three insurers are highly rated. You can read reviews for each policy here.

Assisted-living in Texas is projected to cost $109,000/year by age 80 (assuming 4% annual growth). Your options provide lower annual benefits than this projection (around $80,000/year), 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%).

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

👉🏻 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).

📺 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