LTCi Quotes for Peggy

Peggy,

Your long-term care insurance quotes are ready.

First, please watch this short video I made for you:

 

 

🔎 Your quotes

I've provided quotes with the same initial benefit to make an apples-to-apples comparison.

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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.

 

 

🧐 My notes

These choices use the same starting monthly benefit but take different approaches to coverage.

Option A: This traditional policy has the lowest premium, reimburses eligible care expenses, and has no benefit for heirs if care is not needed. Premiums can increase in the future.

Option B: Compared with Option A, this hybrid keeps the same three-year benefit period but pays benefits in cash and adds a benefit for heirs if care is not needed.

Option C: Compared with Options A and B, this hybrid doubles the benefit period to six years and provides the largest total benefit pool, while retaining cash benefits and a benefit for heirs.

Compare these benefits with projected care costs and the personal savings or other income you would want to use toward care.

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

You can also adjust the benefit amount to fit your budget. For example, reducing the premium by 25% would generally reduce the benefits proportionally.

 

 

👉🏻 Next steps

Reply to my email or text with feedback or schedule time on my calendar to review these options together.

Thanks,
Jesse

P.S. Still learning? See our popular blog or YouTube channel.