Revised LTCi Quotes for Meredyth

Meredyth,

Thanks for speaking with me. Your revised long-term care insurance quotes are ready.


🔁 Revised quotes

I’ve included three quotes that offer cash benefits, a refund to your heirs if care isn’t needed, and a range of benefit periods (3 and 6 years). Each option also shows different payment schedules. For example, a “5-pay” means premiums are paid annually for five years.

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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

All three options provide strong coverage. Each includes a $144k benefit to your heirs if care isn’t needed, which is often more than the total premiums paid.

Option A: Nationwide
Provides 3 years of benefits paid 100% in cash. This is the lowest-cost option. If you prefer Nationwide, a 6-year version is also available.

Option B: Securian
Provides 6 years of benefits paid 100% in cash. This offers double the coverage period of Option A for a relatively modest increase in cost.

Option C: Lincoln
Provides 6 years of benefits, paid as reimbursement or 80% in cash.

My take
Option B stands out. You get 100% cash benefits and 6 years of coverage for only a moderate increase over Option A. If you prefer Nationwide, we can structure a similar 6-year design there as well.

All options start at $6k/month and grow at 3%. Assisted living costs are currently around $6k/month but have historically grown closer to 5%, so your coverage may not fully keep pace. Most people plan to supplement any gap with savings and Social Security. The goal is meaningful coverage, not full coverage.

If you’d like to adjust coverage, we can scale benefits up or down, and premiums will adjust proportionally.

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


👉🏻 Next steps

You can schedule time on my calendar again so we can review the options together. Alternatively, you can complete this longer health pre-screen form (15 minutes). I’ll share your answers anonymously with insurers to get informal feedback before any formal application.

Thanks,
Jesse

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