Revised LTCi Quotes for Kristin

Kristin,

Thanks for our call. Your revised long-term care insurance quotes are ready.

Please see this short video first:


šŸ” Revised quotes

As discussed, Iā€™ve provided three quotes for traditional policies with different benefit periods. Each includes $4,500/month in initial benefits with 3% annual growth, designed to supplement your current income and assets.

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Should you shop around? You canā€”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.



šŸ§ My notes

If you compare Options A and B, youā€™ll see that NGL is meaningfully less expensive than Mutual of Omaha. Comparing Options B and C shows a higher premium in exchange for longer coverage and greater total benefits.

Both policies have the ability to raise premiums. NGL guarantees the current rate for the first five years. Theyā€™ve been offering long-term care insurance since 2016 and have not implemented rate increases to date.

My take: I would lean toward Option C. The premium increase is modest, and it provides roughly an additional $200k in projected benefits by age 80, which better supports longer-duration care needs such as Alzheimerā€™s that we discussed.

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

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Cost tool ā†’ Compare current and projected costs for home care, assisted living, and more in Pennsylvania and elsewhere.


šŸ‘‰šŸ» 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). Iā€™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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