Revised LTCi Quotes for Marla and William C
Jesse Vickey
- 2 min read

Revised LTCi Quotes for Marla and William C

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Marla and William,

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


šŸ” Revised quotes

Iā€™ve provided three quotes similar to your Plus and Cadillac options, with a combined premium of $10,000/year for both of you. Each includes 3% annual growth to keep benefits in step with rising LTC costs. Premiums stop once you begin receiving care (besides Securian), and your annual cost is guaranteedā€”it will never increase.

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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

All three options are strong choices.

Option A ā€“ CareMatters
A popular policy with a strong refund to your heirs if you never need care. Each of you would receive five years of benefits paid as cash indemnity (the most flexible option). Read the review.

Option B ā€“ Asset Care
Same lifetime premium as Option A, but with lifetime benefits for both of you. To keep it affordable, the refund is smallerā€”paid once after you both pass awayā€”and the annual benefits are a bit lower. While itā€™s unlikely youā€™d both need extended care, this option provides significant peace of mind. I personally purchased this policy. Read the review.

Option C ā€“ SecureCare
Premiums stop after 15 years, lowering your total long-term cost. Because you pay less overall, the annual and total benefits are also lower than CareMatters. Like Option A, this policy pays benefits as cash indemnity. Read the review.

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The quotes for all of these policies depend on how each insurer evaluates your health.

Assisted-living in Indiana is projected to cost $159,000/year by age 80 (assuming 4% annual growth). Your options provide lower annual benefits than this projection, but you can bridge the gap using personal savings and Social Security. If you'd like higher annual benefits, you can increase your premiumā€”your benefits will rise proportionally (e.g., by 25%).

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

Big picture - If your primary focus is long-term care benefits, I'd go with Option B, OneAmerica Asset Care, for its lifetime benefits. If you want to minimize your total cost, I'd go with Option C.


šŸ‘‰šŸ» Next steps

Once you've reviewed your options, just reply to my email or text with the one that feels closestā€”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 (youā€™ll see me in the video below). No pressure, no commitment. Just happy to help. Grab a 15-min 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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