Long Term What? was founded by Jesse Vickey to help families and financial professionals navigate one of life's most important and least understood challenges: planning for long-term care.
After studying Economics and Public Policy at Duke University, Jesse began his career on Wall Street helping organizations manage financial risk at JP Morgan and UBS. He later left banking to build mission-driven companies focused on real-world challenges.
Jesse is helping his parents navigate their long-term care options, similar to many families. From his home base in beautiful Colorado, he lives with his wife and two kids.
Our why
Long-term care is one of the largest financial and emotional challenges many families will face, yet few people prepare for it. The topic is often avoided because it forces us to confront aging, illness, and changing family roles.
Our mission is to make these conversations easier to start and easier to navigate through practical guidance, engaging education, and thoughtful planning. We also use the letters LTC as a reminder to
- Learn about options,
- Talk with family, and
- Create a plan.
Our business
We sell long-term care insurance (LTCi) from many companies as a broker.
For families
We help individuals and families make sense of long-term care with engaging, plain-English guidance.
For financial professionals
We specialize in long-term care insurance only, allowing professionals to expand their clients' planning options without introducing a competing service.
How we work
If you decide insurance could be part of your long-term care plan, we provide free, no-obligation quotes and help you find the best fit.
LTCi is only sold through agents like us. When you work with us, the insurer pays us a commission, but the cost of a policy is the same, no matter which insurance agent or broker you choose.
- We put our clients' interests first by being transparent and recommending insurance only when we believe it is appropriate.
- Where financial advisors handle broad finances, like a primary doctor manages health, we bring deep knowledge and focus to LTCi, like a specialist.
- All content on our site is free, and we do not run ads. We are not paid by any company to feature third-party videos or tools on our site.
- We remain independent as a small, privately owned company with no outside investors so we can focus on education first and recommendations second.
Our promises
We value your time, so we make these promises to you.
- Evidence over hype. We link to sources and encourage you to verify what you read.
- Education before recommendations. We do not use fear tactics or pressure.
- Independent judgment. We share honest opinions, including when insurance is not the right fit.
- Continuous learning. Long-term care planning evolves. So do we.
See more promises in our Terms of Service, Privacy Policy, and Cookie Policy.