LTCi Quotes for Dave

Dave,

Thanks for speaking with me. You long-term care insurance quotes are ready.

Please watch this short video first:


šŸ”Ž Your quotes

Iā€™ve provided three hybrid policy quotes, each beginning with $3,000 per month in benefits and offering different benefit periods.

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Should you shop around? You canā€”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.



šŸ§ My notes

All three options are popular, strong policies. Each includes a death benefit for your heirs that is roughly equal to the total premiums paid if you never need long-term care.

Option A: This three-year policy from Nationwide pays benefits in cash, giving you more flexibility in how the money is used.

Option B: This six-year policy from Lincoln Financial offers reimbursement benefits or an optional cash benefit equal to 80% of the monthly maximum. It is competitively priced for six years of coverage.

Option C: This lifetime policy from OneAmerica is designed to protect against the long-tail risk of an extended claim, particularly one caused by Alzheimerā€™s disease or another form of dementia.

Your monthly benefit and premium can also be adjusted proportionally. For example, reducing the monthly benefit by 25% would reduce the premium by approximately 25%.

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Cost tool ā†’ Compare current and projected costs for home care, assisted living, and more in Pennsylvania and elsewhere.


šŸ‘‰šŸ» 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). Iā€™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.