LTCi Quotes for Pamela P

Pamela,

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

👀 First-look quotes

To start, I’ve provided quotes from three different policies with increasing costs. Each one includes 3% annual growth to help your benefits keep pace with rising LTC costs. When you need benefits, coverage has monthly and total maximums. Coverage stays in place forever, even after you’re paid up.

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As a Florida resident, a few policies—including your Base choice—have slightly higher premiums than they do in other states. Your Plus and Cadillac options, however, are not subject to those higher rates.

🧐 My notes

Since you didn’t indicate a preference for memory care coverage or a refund feature, I’ve shown a balanced set of options.

Base: A simple, no-refund option with annual payments until care is needed. It’s your most budget-friendly policy.
Plus: Offers the same benefit length, includes a refund of your premiums to your family if you never need care, and is paid off over 10 years.
Cadillac: Gives you the refund and stretches your benefits to last longer. It’s designed to keep paying even if you need care for many years—like in Alzheimer’s. I can also show you a policy with lifetime benefits if you'd like.

If you want higher or lower annual benefits, I can change any premium. The benefits and premium go up or down together.

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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.

📈 Graph of benefits

This graph shows your projected benefits and LTC costs in Florida if you needed care at age 80, but benefits can start at any time. For more detail, click any line.

Long-term care costs
Assisted-living in Florida is projected to cost $129,000/year by age 80 (assuming 4% annual growth) and Minnesota at $141,000/year. But your policy doesn't have to cover everything. Assisted-living already includes housing and meals, and any steady income, like Social Security, can bridge the gap that your policy doesn't cover.

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

👉🏻 Next steps

Once you've reviewed your options, just reply to my email or text with the one that feels closest—"Base", "Plus", or "Cadillac"—and any comments you'd like to add. I’ll then fine-tune your quotes with more specifics to match your budget, with zero commitment.

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Ask about tax perks if you own a business, annuity, or life insurance.

📺 Still learning?

Watch our 6-minute "unboring" video on the three biggest reasons to get LTC insurance from our popular blog. 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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