Revised LTCi Quotes for Augie and Ann

Augie and Ann,

Your revised long-term care insurance quotes are ready.

Please watch this short video first:


🔁 Revised quotes

I've provided two individual quotes for Securian SecureCare with $6,000/month initial benefits for four years. See my notes below.

Payment schedule options

Securian offers several payment options below. Monthly premiums are approximately one-twelfth of the annual premium shown.

For August

For Ann

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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

While Nationwide CareMatters Together isn't an option, I think the biggest takeaway is that Ann still has access to high-quality coverage. Many applicants receive declines from all carriers during the pre-screen process, so having a strong option available is a positive outcome.

Securian SecureCare is one of the leading cash-indemnity long-term care policies on the market, meaning benefits are paid in cash and can be used however you choose.

For Augie, Securian SecureCare actually comes in at a lower premium than an individual Nationwide CareMatters policy with similar benefits.

To make the comparison more apples-to-apples with the 8-year Nationwide Together policy, I illustrated 4 years of benefits for each of you. If desired, Securian allows benefits to be extended to 5, 6, 7, or 8 years.

The combined premium for the two individual Securian policies is little higher than the Nationwide joint policy, but Securian also provides several advantages:

  • Higher total death benefit ($288,000 vs. $216,000)
  • Death benefits paid after the first spouse's death ($144,000 each), rather than second-to-die
  • Full international coverage (Nationwide's benefits are limited outside the U.S.)
  • Higher financial strength ratings than Nationwide

Note that the combined $288,000 death benefit exceeds the total premiums paid for most payment options. If neither of you ever need care, your heirs would receive more than was paid into the policies.

If you'd like more or less coverage, we can adjust the annual benefit amount. Premiums, long-term care benefits, and death benefits will generally increase or decrease proportionally. We can also change the benefit lengths.

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Cost tool → Compare current and projected costs for home care, assisted living, and more in Massachusetts and elsewhere.


👉🏻 Next steps

Schedule time on my calendar to review these options together.

Thanks,
Jesse

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