Long Term Care Insurance, Illustration Examples

Long Term Care Insurance,

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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	Married	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	Married	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