Revised LTCi Quotes for Richard and Kim B

Richard and Kim,

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

🔁 Revised quotes

I’ve included three quotes that offer the strongest value, aligned with your Base choice (Option A) and Plus choice (Options B and C). Each builds in 3% annual benefit growth to help your coverage keep up with rising long-term care costs.

🧐 My notes

All three options are solid. The last two include a refund to your spouse, kids, or heirs that’s close to the total premiums paid if you never need care. The quotes shown are averages of your combined benefits. Because women generally live longer, Kim’s individual premiums will run a bit higher than Richard’s. When I send you the policy details, you’ll see the breakdown for each of you.

Option A – NGL EssentialCare
This is pure long-term care insurance with no refund feature. Premiums are designed to remain level but could technically increase, though that’s very unlikely. Read our review.

Option B – Securian SecureCare
Benefits are paid as cash indemnity, meaning you’ll receive cash directly and can use it however you wish—no receipts required. Your premiums can never increase. Read our review.

Option C – Lincoln Financial MoneyGuard
This option provides the highest overall benefits and starts paying on day zero (other policies start paying on day 90 after you need care). Claims are paid as reimbursement (less flexible), or as cash indemnity with a 20% reduction. Your premiums can never increase. Read our review.

👉 If I were in your shoes, I'd choose option C for the refund and option for higher benefits, but all three are good choices.

Assisted-living in Missouri is projected to cost $152,000/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. The goal for most people is meaningful coverage, not paying every dollar.

If you'd like higher annual benefits, you can increase your premium—your benefits will rise proportionally (e.g., by 25%).

👉🏻 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).

📺 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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