Annual LTC Benefit

This shows the estimated annual cash benefit available if you first need qualified long-term care at each age. Click the graph line for yearly details.

Total LTC Benefit Pool: $0k
Guaranteed: 3% growth

Benefit pool grows at a guaranteed 3% per year. Growth stops after 20 years or once on claim.

Money Left to Heirs

If you use few or no LTC benefits, remaining value passes to your heirs as a death benefit. This chart shows the estimated account value over time. Click the graph line for yearly details.

Non-guaranteed: 5% growth

Estimate assumes the current 5% growth rate, less rider charges. The 5% rate is not guaranteed and may change. Contractual minimum is 1%. Growth can be tied to an equity index with different results, not shown here. If LTC benefits are paid, remaining account value and heir payout may decrease. Does not include wellness credits or fees. Assumes a coverage ratio of 0%.