LTCi Quotes for Natarajan and Bindu

Natarajan and Bindu,

Thanks for our call. Your long-term care insurance quotes are ready.

Please watch this short video first that I made specifically for you:


🔎 Your quotes

I’ve included three quotes, each with an initial monthly benefit of $4,500. Please see my additional comments below the table.

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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

Based on our conversation, I included two traditional policies and one hybrid policy.

Option A: This traditional policy from NGL provides three years of benefits for each of you, paid by reimbursement. Premiums are locked in for the first five years. They can increase over time, though NGL has not increased premiums on its past policies to date.

Option B: This is the same base policy as Option A, but it adds a third, shared pool of benefits. If either of you uses up your individual benefit pool, the shared pool provides additional coverage and flexibility.

Option C: This hybrid policy from Securian offers 100% international benefits, pays benefits in cash, and has premiums that stop after 10 years. If you never need care, the policy provides a refund/death benefit to your heirs that is greater than the premiums paid.

If you’d like to adjust the benefit amount, we can adjust the premium accordingly. The benefits generally change proportionally, for example 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

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.