In phone consultations we give pricing and in-depth analysis on all of the primary traditional and hybrid LTCi products. Carriers reviewed include: Northwestern, New York Life, MassMutual, Thrivent, Mutual of Omaha, Transamerica, National Guardian Life, Life Secure, Genworth, Lincoln, State Life, Pacific Life, Nationwide, and Brighthouse.
Below is a generic example of annual premiums for traditional LTCi assuming the following level of coverage:
- $4,500 per month for nursing home/assisted living/home care
- 3% compound inflation
- 3 year benefit period ($162,000 pool of money)
- 90 day elimination period
| Married (per individual) | Single | |||
|---|---|---|---|---|
| Male | Female | Age | Male | Female |
| $1,110 | $1,830 | 40 | $1,390 | $2,290 |
| $1,260 | $2,090 | 45 | $1,580 | $2,610 |
| $1,370 | $2,300 | 50 | $1,710 | $2,880 |
| $1,620 | $2,700 | 55 | $2,030 | $3,370 |
| $1,840 | $3,090 | 60 | $2,290 | $3,870 |
| $2,380 | $4,040 | 65 | $2,980 | $5,050 |
| $2,910 | $4,950 | 70 | $3,640 | $6,180 |
To receive specific pricing or hybrid pricing on a customized policy, please schedule a phone consultation.