Revised LTCi Quotes for Robert and Carol G
Jesse Vickey
- 2 min read

Revised LTCi Quotes for Robert and Carol G

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Robert and Carol,

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


🔁 Revised quotes

I've provided three quotes with the ADJUST: same costs/benefits. Your choice of Base from your first-look quotes is option X. Each one includes 3% annual growth to help your benefits keep pace with rising LTC costs.

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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. Want to adjust your coverage? We can raise or lower the premium—your benefits will scale accordingly.



🧐 My notes

All three options are strong and each includes a refund to your spouse, kids, or heirs that exceeds the total premiums paid if you never need care.

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.

Assisted-living in New Jersey is projected to cost $234,000/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 premium—your benefits will rise proportionally (e.g., by 25%).

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


👉🏻 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).

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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.

📺 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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