Revised LTCi Quotes for Mathew

Mathew,

Your revised long-term care insurance quotes are ready.

Please watch this short video first:


🔁 Revised quotes

I've provided three quotes...

💡
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 three options are strong and each includes a refund to your spouse, kids, or heirs that exceeds the total premiums paid if you never need care.

All three policies include lifetime premiums, meaning you pay each year for life—but payments stop once you begin receiving care. While insurers technically can raise rates in the future, it’s unlikely. These policies are conservatively priced, and carriers have decades of data to help them set stable premiums.
Option A:
Option B:
Option C:

Assisted-living in Massachusetts is projected to cost $290,000/year by age 80 (assuming 4% annual growth). Your options provide lower annual benefits than this projection, but you can bridge the gap using personal savings and Social Security. The goal for most people is meaningful coverage, not paying every dollar.

If you'd like to adjust your annual benefits, you can adjust your premium—your benefits will change proportionally (e.g., by 25%).

📍
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, 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 our popular blog or YouTube channel.