Revised LTCi Quotes for Jennifer and Ziv

Jennifer and Ziv,

Based on health pre-screen feedback from insurers, I've prepared a few revised quotes that we can discuss on our call.


🔁 Revised quotes

To provide an apples-to-apples comparison, all of these options start with roughly $5,000/month in initial benefits.

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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

These options are meant to show tradeoffs, not final designs. We can adjust benefits up or down to fit your budget. If you reduce the premium by 25%, benefits will decrease by roughly the same amount.

For Ziv

Based on your pre-screens, Mutual of Omaha is the best fit and offers a maximum starting pool of $300k.

  • Option A: Lower cost with 3% growth. More affordable now, smaller benefits later.
  • Option B: Higher cost with 5% growth. Same starting point, but meaningfully larger benefits over time.

Because Mutual of Omaha caps your total benefits, two individual policies provides the highest benefits for each of you.

For Jennifer

For traditional coverage, NGL provides you the highest benefits.

  • Option C: 6-year benefit period with 3% growth. Strong balance of cost and coverage.
  • Option D: Same structure with 5% growth. Higher premium, larger future benefits.

I included OneAmerica as a lifetime option because its monthly cost is lower than NGL’s lifetime option, while still providing a refund to Ziv or any heir if care isn’t needed.

  • Option E: Lifetime benefits with 3% growth and lower monthly cost.
  • Option F: Same, with 5% growth for higher long-term coverage.
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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 so we can review the options together.

Thanks,
Jesse