LTCi Quotes for Tammy

Tammy,

Your long-term care insurance quotes are ready.

First, please watch this short video I made for you:

 

 

🔎 Your quotes

I've provided quotes with the same initial benefit to make an apples-to-apples comparison.

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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 choices use the same starting monthly benefit but take different approaches to coverage.

Option A: NGL HonestLTC is the lowest-premium option and provides three years of reimbursement benefits. Premiums are intended to be paid for life and can increase after the policy has been in force for five years.

Option B: Nationwide CareMatters II also provides three years of benefits, with benefits paid in cash and a benefit for heirs if care is never needed. Its premium is higher than Option A and is scheduled to age 100.

Option C: Compared with Option B, this Nationwide CareMatters II design doubles the benefit period to six years and provides a much larger projected benefit pool. It keeps the same cash indemnity structure and benefit for heirs, with a higher monthly premium.

These policies provide lower annual benefits than the projected cost of care, but you can bridge the gap using personal savings and Social Security. For most people, the goal is to secure meaningful coverage rather than insure every dollar of potential care costs.

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

You can also adjust the benefit amount to fit your budget. For example, reducing the premium by 25% would generally reduce the benefits proportionally.

 

 

👉🏻 Next steps

Reply to my email or text with feedback or schedule time on my calendar to review these options together.

Alternatively, complete this longer health pre-screen form (10 minutes) for more clarity on your options. 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.