Revised LTCi Quotes for Priti and Pankaj

Priti and Pankaj,

Thanks for speaking with me. Based our call, your revised long-term care insurance quotes are ready.

Please watch this short video first:


🔁 Revised quotes

I provided three quotes, each with about $5k per month in initial benefits. As requested, this includes one traditional policy (A) and two hybrid policies (B and C) with different benefit lengths. All options allow you to share benefits, giving you more flexibility.

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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

Below are my thoughts on your quotes. All are strong options with different cost and benefit tradeoffs.

  • Option A: NGL EssentialLTC is a traditional policy. It has the lowest overall cost and offers up to 9 total years of care (each of you has 3 years, plus a shared pool of 3 years). Premiums are guaranteed not to increase for the first five years.
  • Option B: Nationwide CareMatters Together is a hybrid policy. It provides the most flexibility to share benefits, with 6 total years between you. Benefits are paid in cash (no receipts required), and there is a $180k death benefit if no care is needed. If $100k is used for care, $80k remains for heirs. Premiums are guaranteed never to increase.
  • Option C: Same as Option B, but with 8 total years of benefits.

I included multiple payment options for each policy. Amounts are rounded for simplicity and can be paid annually or monthly.

If you adjust your annual benefit, your premium will adjust proportionally (e.g., 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, I'd like both of you to 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

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