Revised LTCi Quotes for Lindsay and Mathew

Lindsay and Mathew,

Your revised long-term care insurance quotes are ready.

Please watch this short video first:


🔁 Revised quotes

I’ve provided three quotes for each of you, all with 5% benefit growth and $3,500 per month in initial benefits. Each option is from Nationwide CareMatters and varies by benefit period: 3, 5, and 7 years.

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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

All of these policies can be structured with different payment schedules, including 5 years, 10 years, to age 65, or to age 100. Longer payment periods reduce the annual premium but increase the total cost over time. I illustrated two options for you, single pay and 10-year pay, and the 10-year option can be paid monthly.

Since you are both relatively young, I selected 5% benefit growth so your coverage compounds to a higher level over time compared to 3%. We can revisit this and model alternatives when we speak.

I used Nationwide CareMatters because it provides strong benefits at the 5% growth level and pays benefits in cash, which offers maximum flexibility.

Mathew’s projected benefits at age 80 are lower than Lindsay’s because he is older and has fewer years for compounding. We can align the benefits by adjusting the premium.

If you would like to change the monthly or annual benefit amount, that can be done by adjusting the premium, and the benefits will scale proportionally.

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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.

If you don't need a call now, 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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