Premium of $10,000 per year for 10 years, 60 year old male,
3% compound inflation, 6 year initial pool of LTC benefits
One of the advantages Life Based Hybrid LTC insurance is that this plan will always pay a benefit. The plan builds a pool of LTC benefits if you need it, pays a death benefit or provides a money back guarantee. These plans also often provide a guaranteed minimum residual death benefit should you use all of your LTC pool. So whether you have an LTC claim, decide in the future this isn’t the right protection for you or die before you use benefits, hybrid products always provide you with a benefit.
Total Premiums Paid Over 10 years = $100,000
More than 6x Total
Premiums Paid for
Death Benefits Paid to Beneficiariesif LTC is Never used
* The Guaranteed Death Benefit and/or Surrender Value(“Money Back”) will be reduced by any LTC benefits used.
The Residual Death Benefit is paid even if LTC benefits are exhausted.
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