Anthony and Monica,
Your long-term care (LTC) insurance quotes are ready.
🔎 Your quotes
I’ve included options from Nationwide CareMatters and Securian SecureCare. All include 3% benefit growth and cash indemnity benefits (the most flexible structure). A $37,500 single premium was below the minimum for some carriers, especially Securian, so I increased it to meet their minimum requirements. Scroll the table to the right to see options A–I.
🧐 My notes
In addition to the two policies you requested, I’ve also included Nationwide CareMatters Together, a joint policy where you share a single benefit pool. It offers up to 8 years of total benefits and pays benefits in cash. You’ll notice that Together (Option I) provides higher monthly benefits than any of the other options and greater flexibility in how benefits are allocated (for example, 2 years + 6 years, or 8 years + 0 years).
My view: I’d lean toward CareMatters Together for the higher monthly benefits.
Alternative: If your main goal is to maximize total potential benefits, you could instead choose the 6-year CareMatters options (Options C and D), though the likelihood that both of you would need a full 6 years of care is lower.
👉🏻 Next steps
If any of these policies look appealing, please schedule time on my calendar so we can review the options together and address any questions you may have.
Alternatively, if you'd like to move forward on a policy, I'd like to ask each of you to complete this longer health prescreen. I'd share this with Nationwide and Securian, without your name attached, for informal feedback. This process helps us avoid a formal decline which would make reapplying to other insurers more difficult.
📺 Still learning?
Watch our "unboring" video on qualifying for LTC insurance or visit our website. That's me in the video.
Thanks,
Jesse
Jesse Vickey at Long Term What?
Schedule a call or 720-263-2188