Revised LTCi Quotes template

Winter,

Good news. Your revised long-term care (LTC) insurance quotes are ready.

LTC costs in Georgia

Let’s begin with what care might cost. Assisted-living in Georgia is projected to cost $253,000/year by age 80 (assuming 4% annual growth). But your policy doesn't have to cover everything. Assisted-living already includes housing and meals, and any steady income, like Social Security, can bridge the gap that your policy doesn't cover.

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Cost tool → Compare current and projected costs for home care, assisted living, and more in Idaho and elsewhere.

👀 Revised quotes (v2)

Since your goal is to cover the potential cost of long-term care, I’ve included a few options that offer extended coverage for conditions like Alzheimer’s. These are designed to align with your expected care costs—about $253,000/year by age 80 in Georgia. In the table, I bolded key changes as you move from left to right across the columns.

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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. Want to adjust your coverage? We can raise or lower the premium—your benefits will scale accordingly.

🧐 My notes

All include a refund. Here’s why I chose these options for you:

A – Your original Cadillac pick. Strong annual benefits, but still less than half your expected LTC costs.
B – Switched to a single payment to boost benefits.
C – Increased your annual costs from $8,500 to $15,000 to show how benefits grow with a higher payment.
D – Changed the benefit growth to 5% to show stronger benefits by age 80.
E – Swapped to Nationwide CareMatters with a 7-year benefit period—lower cost and higher benefits at age 80.

🔑 Here are your key decision points:

Growth rate: Do you want 5% growth (higher benefits later, lower earlier)
Budget: Do you prefer to pay over 10 years, 5 years, or once?
Memory care: Is lifetime coverage worth it, or is 7 years enough? (7 years is about twice the average claim length for women, though memory care can last 8+.)

🎯 Personally, I think Option E strikes a great balance: lower premiums, strong benefits, and a long benefit period.

🏢 Related, if you own a business and pay through it, you may qualify for several tax breaks that can significantly reduce your out-of-pocket cost.

👉🏻 Next steps

Just reply to my email or text with A, B, C, D and/or E with any notes and I’ll email the policy documents (no commitment).

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Got questions? Let's talk. I'm Jesse (you’ll see me in the video below). No pressure, no commitment. Just happy to help. Grab a 15-min call.

📺 Still learning?

Watch our 7-minute "unboring" video on the features of LTC insurance. That's me in the video.

Thanks,
Jesse

Jesse Vickey at Long Term What?
Schedule a call or 720-263-2188
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