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Long Term Care Insurance, Illustration Examples
 

Learn About Your LTC Needs   Explore Policy Costs and Illustrations  


Illustrations
 

Compare


Long term Care Premium Costs vs. Benefit Periods

The Cost Of Waiting

Single and Joint Long Term Care Policies
 

Then...


Get A Quote and Receive Your Personalized Illustration-
examples below!
 


Short Term Benefit Period; Single Male; Age 50
 

Age

State

Marital Status

Date

50

TX

Single

7/25/2005

Carrier

Company X

Company Y

Carrier Rating (AM Best)

A+

A

Product

 

 

 

Benefit Period

5 Years

5 Years

Elimination Period

90 Days

90 Days

HHC Percent

50% Home Care

Facility Care Only Policy

Inflation Protection

Compound

Compound

Modal Factor

Annual

Annual

Rate Class

Preferred

Preferred

Daily Benefit

$ 150

$ 150

Premium

$ 1728.00

$ 1069.31

Additional Discounts and Optional Riders:

Additional Option Factors

-

None

Limited Pay Option

None

-

Monthly Maximum Rider

-

-

Nonforfeiture

NS

None

Restoration of Benefits

NS

-

Spousal Discount

NS

-

Survivorship

NS

-

Waiver of Home Health Care Elimination Period

-

-

Waiver of Premium

-

-

Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.

NS

= Not Selected

-

= Not Available
 

Long Term Benefit Period; Single Male; Age 50

 

Age

State

Marital Status

Date

50

TX

Single

7/25/2005

Carrier

Company X

Company Y

Carrier Rating (AM Best)

A+

A

Product

 

 

 

Benefit Period

Unlimited

Lifetime

Elimination Period

90 Days

90 Days

HHC Percent

50% Home Care

Facility Care Only Policy

Inflation Protection

Compound

Compound

Modal Factor

Annual

Annual

Rate Class

Preferred

Preferred

Daily Benefit

$ 150

$ 150

Premium

$ 2416.50

$ 1215.00

Additional Discounts and Optional Riders:

Additional Option Factors

-

None

Limited Pay Option

None

-

Monthly Maximum Rider

-

-

Nonforfeiture

NS

None

Restoration of Benefits

NS

-

Spousal Discount

NS

-

Survivorship

NS

-

Waiver of Home Health Care Elimination Period

-

-

Waiver of Premium

-

-

Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.

NS

= Not Selected

-

= Not Available


Short Term Benefit Period; Joint Policy; Age 50
 

Age

State

Marital Status

Date

50

TX

Single

7/25/2005

2nd Beneficiary- Age 50

   

Carrier

Company X

Company Y

Carrier Rating (AM Best)

A+

A

Product

 

 

 

Benefit Period

6 Years

5 Years

Elimination Period

90 Days

90 Days

HHC Percent

-

Facility Care Only Policy

Inflation Protection

Compound

Compound

Modal Factor

Annual

Annual

Rate Class

Preferred/Preferred

Both Preferred

Daily Benefit

$ 150

$ 150

Premium

$ 2241.00

$ 1497.04

Additional Discounts and Optional Riders:

Additional Option Factors

-

None

Limited Pay Option

None

-

Monthly Maximum Rider

-

-

Nonforfeiture

NS

None

Restoration of Benefits

NS

-

Spousal Discount

NS

-

Survivorship

NS

-

Waiver of Home Health Care Elimination Period

-

-

Waiver of Premium

-

-

Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.

NS

= Not Selected

-

= Not Available


 

Long  Term Benefit Period; Joint Policy; Male; Age 50
 

Age

State

Marital Status

Date

50

TX

Single

7/25/2005

2nd Beneficiary- Age 50

   

Carrier

Company X

Company Y

Carrier Rating (AM Best)

A+

A

Product

 

 

 

Benefit Period

20 Years

Lifetime

Elimination Period

90 Days

90 Days

HHC Percent

50% Home Care

Facility Care Only Policy

Inflation Protection

Compound

Compound

Modal Factor

Annual

Annual

Rate Class

Preferred/Preferred

Both Preferred

Daily Benefit

$ 150

$ 150

Premium

$ 3294.00

$ 1701.00

Additional Discounts and Optional Riders:

Additional Option Factors

-

None

Limited Pay Option

None

-

Monthly Maximum Rider

NS

-

Nonforfeiture

NS/ None

-

Restoration of Benefits

NS

-

Spousal Discount

NS

-

Survivorship

NS

-

Waiver of Home Health Care Elimination Period

NS

-

Waiver of Premium

-

-

Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.

NS

= Not Selected

-

= Not Available


 

Short Term Benefit Period; Single Male; Age 60
 

Age

State

Marital Status

Date

60

TX

Single

7/25/2005

Carrier

Company X

Company Y

Carrier Rating (AM Best)

A+

A

Product

 

 

 

Benefit Period

5 Years

5 Years

Elimination Period

90 Days

90 Days

HHC Percent

50% Home Care

Facility Care Only Policy

Inflation Protection

Compound

Compound

Modal Factor

Annual

Annual

Rate Class

Standard

Standard

Daily Benefit

$ 150

$ 150

Premium

$ 2640.00

$ 2534.25

Additional Discounts and Optional Riders:

Additional Option Factors

-

None

Limited Pay Option

None

-

Monthly Maximum Rider

-

-

Nonforfeiture

NS

None

Restoration of Benefits

NS

-

Spousal Discount

NS

-

Survivorship

NS

-

Waiver of Home Health Care Elimination Period

-

-

Waiver of Premium

-

-

Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.

NS

= Not Selected

-

= Not Available


 

Long Term Benefit Period; Single Male; Age 60
 

Age

State

Marital Status

Date

60

TX

Single

7/25/2005

Carrier

Company X

Company Y

Carrier Rating (AM Best)

A+

A

Product

 

 

 

Benefit Period

Unlimited

Lifetime

Elimination Period

90 Days

90 Days

HHC Percent

50% Home Care

Facility Care Only Policy

Inflation Protection

Compound

Compound

Modal Factor

Annual

Annual

Rate Class

Standard

Standard

Daily Benefit

$ 150

$ 150

Premium

$ 3780.00

$ 2880.00

Additional Discounts and Optional Riders:

Additional Option Factors

-

None

Limited Pay Option

None

-

Monthly Maximum Rider

-

-

Nonforfeiture

NS

None

Restoration of Benefits

NS

-

Spousal Discount

NS

-

Survivorship

NS

-

Waiver of Home Health Care Elimination Period

-

-

Waiver of Premium

-

-

Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.

NS

= Not Selected

-

= Not Available


 

Short Term Benefit Period; Joint Policy; Age 60
 

Age

State

Marital Status

Date

60

TX

Single

7/25/2005

2nd Beneficiary- Age 60

   

Carrier

Company X

Company Y

Carrier Rating (AM Best)

A+

A

Product

 

 

 

Benefit Period

6 Years

 5 Years

Elimination Period

90 Days

90 Days

HHC Percent

-

Facility Care Only Policy

Inflation Protection

Compound

Compound

Modal Factor

Annual

Annual

Rate Class

Standard/ Standard

Both Standard

Daily Benefit

$ 150

$ 150

Premium

$ 3330.00

$ 3547.95

Additional Discounts and Optional Riders:

Additional Option Factors

-

None

Limited Pay Option

None

-

Monthly Maximum Rider

-

-

Nonforfeiture

NS/None

None

Restoration of Benefits

NS

-

Spousal Discount

NS

-

Survivorship

NS

-

Waiver of Home Health Care Elimination Period

-

-

Waiver of Premium

-

-

Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.

NS

= Not Selected

-

= Not Available


 

Long Term Benefit Period; Joint Policy; Age 60
 

Age

State

Marital Status

Date

60

TX

Single

7/25/2005

2nd Beneficiary- Age 60

   

Carrier

Company X

Company Y

Carrier Rating (AM Best)

A+

A

Product

 

 

 

Benefit Period

20 Years

Lifetime

Elimination Period

90 Days

90 Days

HHC Percent

 -

Facility Care Only Policy

Inflation Protection

Compound

Compound

Modal Factor

Annual

Annual

Rate Class

 Standard/ Standard

 Both Standard

Daily Benefit

$ 150

$ 150

Premium

$ 5160.00

$ 4032.00

Additional Discounts and Optional Riders:

Additional Option Factors

-

None

Limited Pay Option

None

-

Monthly Maximum Rider

-

-

Nonforfeiture

NS/None

None

Restoration of Benefits

NS

-

Spousal Discount

NS

-

Survivorship

NS

-

Waiver of Home Health Care Elimination Period

-

-

Waiver of Premium

-

-

Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.

NS

= Not Selected

-

= Not Available



Long Term Care Insurance Companies

Genworth Financial  John Hancock
  GE Capital        John Hancock


Related:

Needs l FAQ's l Long Term Care Terms l Medicare Terms l Wills and Trusts l Living Wills l Living Trusts l Illustration Examples l Long Term Care Products l Sample Policy


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