LTCi Quotes for Thomasine

Thomasine,

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 has the lowest monthly premium in this comparison and reimburses eligible care expenses. Premiums continue for life and can increase after five years.

Option B: Nationwide CareMatters II costs more than Option A, but pays LTC benefits in cash and includes a life insurance death benefit. Premiums are scheduled to age 100 and can never increase.

Option C: Nationwide CareMatters II extends Option B from three years to six years, providing a larger total LTC benefit for a higher monthly premium. It keeps the same starting monthly benefit and cash payment design.

Compare these benefits with projected care costs and the personal savings or other income you would want to use toward care.

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