Sample Pricing for Annuity with a Long-Term Care Rider
Looking to turn existing savings into long-term care protection?
The examples below show realistic illustrations for an annuity with an LTC rider, based on a $100,000 one-time deposit. These plans allow you to multiply your deposit into a larger pool of money for long-term care — often 2x to 3x the original deposit, depending on your age and plan structure.
Unlike traditional or hybrid LTC insurance, annuity-based plans can be easier to qualify for
and are often a good fit for people with existing non-qualified savings. These examples show how much monthly care benefit you’d receive, how long the benefit would last, and the total long-term care pool available in Year 1.
Individual and joint options are available.
The figures shown are based on simplified underwriting and assume you qualify for full benefits.
Actual values may vary by insurer, age, health, and contract terms.
To prepare a custom proposal with personalized pricing, we’ll ask you to share a few additional details.
Sample Pricing for Annuity with a Long-Term
Care Rider
Looking to turn existing savings into
long-term care protection?
The examples below show realistic illustrations for an annuity with an LTC rider, based on a $100,000 one-time deposit. These plans allow you to multiply your deposit into a larger pool of money for long-term care — often 2x to 3x the original deposit, depending on your age
and plan structure.
Unlike traditional or hybrid LTC insurance, annuity-based plans can be easier to qualify for and are often a good fit for people with existing non-qualified savings.
These examples show how much monthly care benefit you’d receive, how long the benefit would last, and the total long-term care pool available in Year 1. Individual and joint options are available.
The figures shown are based on simplified underwriting and assume you qualify for full benefits. Actual values may vary by insurer, age, health, and contract terms.
To prepare a custom proposal with personalized pricing, we’ll ask you to share a few additional details.
Individual Annuity with LTC - $100,000 Deposit - Male
| Age | Gender | Monthly Long Term Care Benefit | Long Term Care Pool Year 1 | Benefit Length | Monthly LTC at Age 85 |
|---|---|---|---|---|---|
| 60 | Male | $4,241 | $407,144 | 96 Months | $4,994 |
| 65 | Male | $4,208 | $404,022 | 96 Months | $4,155 |
| 70 | Male | $4,235 | $254,128 | 60 Months | $4,667 |
| 75 | Male | $4,205 | $252,302 | 60 Months | $4,351 |
| 80 | Male | $4,165 | $249,935 | 60 Months | $4,165 |
Individual Annuity with LTC - $100,000 Deposit - Female
| Age | Gender | Monthly Long Term Care Benefit | Long Term Care Pool Year 1 | Benefit Length | Monthly LTC at Age 85 |
|---|---|---|---|---|---|
| 60 | Female | $4,241 | $407,144 | 96 Months | $4,994 |
| 65 | Female | $4,208 | $404,022 | 96 Months | $4,155 |
| 70 | Female | $4,235 | $254,128 | 60 Months | $4,667 |
| 75 | Female | $4,205 | $252,302 | 60 Months | $4,351 |
| 80 | Female | $4,165 | $249,935 | 60 Months | $4,165 |
Joint Annuity with LTC - $100,000 Deposit
| Age | Gender | Monthly Long Term Care Benefit | Long Term Care Pool Year 1 | Benefit Length | Monthly LTC at Age 85 |
|---|---|---|---|---|---|
| 60 | Joint | $3,382 | $344,992 | 102 Months | $3,682 |
| 65 | Joint | $3,350 | $341,771 | 102 Months | $3,006 |
| 70 | Joint | $3,384 | $223,391 | 66 Months | $3,671 |
| 75 | Joint | $3,359 | $221,758 | 66 Months | $3,459 |
| 80 | Joint | $3,332 | $219,927 | 66 Months | $3,332 |
