LTCi Quotes for Sharon and Vincent

Sharon and Vincent,

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 with initial benefits of $6,000 per month for an apples-to-apples comparison. Treat these as starter quotes to help you narrow in on what's most important to you.

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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.

Payment schedules

You can pay for your policy in several ways. Once your policy is paid up, it remains in force and no additional premium payments are required. For example, a 10-pay policy is paid over 10 years. You can also choose to pay monthly instead of annually.

Option A: NGL EssentialLTC

  • $5,308/yr for your lifetime
  • $15,296/yr for 10 years

Option B: Nationwide CareMatters Together

Option C: OneAmerica Asset Care

🧐 My notes

All three options are strong and among the most popular policies on the market.

Option A: This joint policy from NGL offers the lowest premiums.

Option B: This joint policy from Nationwide offers eight years of shared benefits, a substantial refund (more than your total premium in many payment schedules) after you both pass away minus any care costs, and flexible cash benefits.

Option C: This joint policy from OneAmerica offers lifetime benefits, which can be especially valuable for longer care needs, such as those associated with Alzheimer’s disease.

You can adjust your benefits by changing your premium. For example, reducing your premium by 25% would reduce your benefits proportionally.

These options provide lower annual benefits than the current cost of care, but you can bridge the gap using personal savings and Social Security. For most people, the goal is meaningful coverage, not paying every dollar of care costs.

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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.