Revised LTCi Quotes for Thomas and Christine D
Jesse Vickey
- 2 min read

Revised LTCi Quotes for Thomas and Christine D

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Thomas and Christine,

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


šŸ” Revised quotes

Iā€™ve provided two OneAmerica Asset Care quotes with alternative payment options. This time, the cost reflects the total premium for both of you, while the annual benefits are per person. Each includes 3% annual growth to help your benefits keep pace with rising long-term care costs.

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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

Option A is your original Cadillac plan, while Option B shows how paying the same total amount up front can increase your benefits. As youā€™ll see in the quotes, paying more up front either lowers your total cost (Option Aā€™s alternative payment schedules) or boosts your benefits (Option B).

  • With Asset Care, the refund is paid after both of you pass away if neither needs care. If you need some care, benefits are drawn from your refund first.
  • Your coverage starts and continues for your lifetime once you're approved and make your first payment.
  • Your benefits triggers include: cognitive impairment (think Alzheimer's or dementia) OR needing substantial help with two activities of daily living (e.g., bathing, dressing) for at least 90 days.
  • Your benefits are good for home care, assisted living, memory care, nursing care, and more.
  • See our OneAmerica Asset Care review for more details.

Assisted living in Ohio is projected to cost about $214,000 per year by age 80 (assuming 4% annual growth). Both options provide lower annual benefits than this projection, but you can bridge the gap with personal savings and Social Security. If youā€™d like higher benefits, you can increase your premiumā€”benefits rise proportionally (e.g., a 25% premium increase yields 25% more benefits).

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

Big picture: I consider the OneAmerica Asset Care policy as the gold standard for long-term care protection with its lifetime benefits. As I mentioned over text, my wife and I applied for this policy just last week. In general, to maximize your benefits, itā€™s best to pay as much up front as you can comfortably affordā€”such as the single-pay or 5-year payment options.


šŸ‘‰šŸ» Next steps

Once you've reviewed your options, just reply to my email or text with any questions. I'd also recommend a phone call to discuss things. No pressure, no commitment. Just happy to help. Grab a quick 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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