LTCi Quotes for Glenn

Glenn,

Your long-term care insurance quotes are ready.

First, please watch this short video I made for you:


🔎 Your quotes

I've provided three quotes, each with an initial benefit of $5,000/month.

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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.



🧐 My notes

Treat these as starter quotes designed to help you determine the premium-benefit tradeoff that is right for you. Based on your feedback, I can provide updated quotes tailored to your preferences.

Option A: This three-year hybrid policy from Nationwide pays benefits in cash and provides a $120,000 benefit to your heirs if you never need care.

Option B: This three-year traditional policy from NGL offers lower premiums in exchange for no benefit to heirs. Benefits are paid as reimbursement for eligible care expenses.

Option C: This is the same policy as Option B, but with higher premiums in exchange for five years of benefits and a larger total benefit pool.

These policies provide lower annual benefits than the projected cost of care, but you can bridge the gap using personal savings and Social Security. For most people, the goal is to secure meaningful coverage rather than insure every dollar of potential care costs.

You can also adjust the benefit amount to fit your budget. For example, reducing the premium by 25% would generally reduce the benefits proportionally.

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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

Reply to my email or text with your thoughts or schedule time on my calendar to review these options together.

If you don't need a call, complete this longer health pre-screen form (15 minutes). I’ll share your answers with insurers without your name attached to get informal feedback. This helps identify which policy is the best fit and avoids the risk of a formal decline.

Thanks,
Jesse

P.S. Still learning? See our popular blog or YouTube channel.